IVF Process: What It Is, Who It’s For, and What Really Happens

When you hear IVF process, in vitro fertilization, a medical procedure 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 ways people in India build families when natural conception doesn’t work. But the IVF process isn’t just about lab work and needles—it’s a chain of decisions, costs, and emotional choices that start long before the first appointment.

The IVF cost, the total price for one full cycle of treatment, including medications, scans, egg retrieval, and embryo transfer in India ranges from ₹2.2 lakh to ₹3.5 lakh. That’s not just the clinic fee—it’s also the price of hormones, blood tests, and sometimes multiple rounds. And most insurance plans don’t cover it, which means many people pay out of pocket. That’s why people dig into IVF insurance, whether health plans, state mandates, or HSA/FSA accounts can help pay for fertility treatment. Some states in India offer partial coverage, but it’s rare. You need to ask your provider, check your policy, and sometimes appeal denials.

Then there’s the question of IVF baby genetics, whether the child is genetically related to the parents using their own egg or sperm. If you use donor eggs or sperm, the baby isn’t genetically yours—but that doesn’t make you any less a parent. Many couples struggle with this emotionally, not just medically. And if you’re hoping for twins, you can’t pick them. IVF twins, when two embryos implant and result in a twin pregnancy happen naturally, not by design. Most clinics now transfer just one embryo to reduce risks, which means your chance of twins is lower than it was ten years ago.

The IVF process doesn’t end with a positive test. It’s followed by weeks of waiting, anxiety, and sometimes disappointment. But for thousands in India, it’s the only path to parenthood. Below, you’ll find real answers to the questions no one tells you about: how much it costs, whether your insurance will help, what happens if you use donor material, and whether having twins is even possible. No fluff. Just what you need to know before you start.