IVF Cost in India: What You Really Pay for Fertility Treatment

When you’re considering IVF, in vitro fertilization, a medical process where eggs are fertilized outside the body and implanted into the uterus. Also known as test tube baby treatment, it’s one of the most common solutions for couples struggling with infertility in India. But the real question isn’t just whether it works—it’s how much it costs, and what’s actually included.

The average IVF cost in India ranges from ₹2,00,000 to ₹4,50,000 per cycle, depending on the clinic, city, and what’s bundled in. That price might cover medications, ultrasounds, egg retrieval, lab work, and embryo transfer—but not always. Some clinics charge extra for things like sperm freezing, genetic testing, or using donor eggs. If you’re using donor eggs, eggs provided by a third party when a woman can’t use her own, expect to pay an extra ₹50,000 to ₹1,50,000. And if you’re considering IVF insurance, coverage for fertility treatments under health plans, you’ll find that most private policies in India still don’t cover it. Only a few states mandate partial coverage, and even then, there are strict rules.

Success rates also play a big role in what you’re really paying. One cycle might cost ₹3 lakh, but if it fails, you’re looking at a second or third try. That’s why many couples compare clinics not just by price, but by live birth rates per cycle. Clinics in cities like Bangalore, Mumbai, and Delhi tend to have higher success rates—and higher prices—because of better labs and experienced teams. Meanwhile, smaller clinics may offer lower fees but less transparency. It’s not just about the number on the bill; it’s about what you get for it.

And if you’re wondering whether you can get financial help, some clinics offer payment plans or discounts for multiple cycles. Others let you use your HSA or FSA accounts. But if your insurance doesn’t cover fertility treatment coverage, the extent to which health plans pay for procedures like IVF, IUI, or ovulation induction, you’ll need to plan ahead. That’s why looking at real patient experiences, understanding hidden fees, and knowing your options matters more than ever.

Below, you’ll find real guides on what insurance actually covers, how donor eggs change the cost, why some IVF attempts fail, and how to avoid overpaying for services that don’t add value. These aren’t theoretical tips—they’re straight from people who’ve been through it.