Infertility Treatment In India – Can Women Get Insurance Coverage?
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Infertility Treatment In India – Can Women Get Insurance Coverage?

Infertility Treatment In India – Can Women Get Insurance Coverage?


Even though, In Vitro Fertilization (IVF) treatment for infertility came into existence several years ago, it has gained popularity in India only recently. This is a great gift for women, who cannot give birth to a baby naturally due to one reason another. Not only Indian women, but many foreigners are also visiting India to get this treatment. The reason is that in India the cost for this treatment is just one-third of the cost in their nation. In India, the cost of this treatment is around Rs.2,50,000, while in countries like US, it costs greater than $10,000. However, for an average Indian Rs.2,50,000 is not an affordable cost.  Furthermore, this cost in addition to the other associated expenses can shoot up the family budget. This is why many couples search whether there are any insurance policies to cover infertility treatment.

BMB Nirbhaya as great relief:

Until January 2016, there was no answer to the questions of these couple, but now, Bharathiya Mahila Bank (BMB) has come forward to provide coverage for infertility treatment for women holding account with the bank. BMB has joined hands with New India Assurance to provide such a coverage.

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Even though, In Vitro Fertilization (IVF) treatment for infertility came into existence several years ago, it has gained popularity in India only recently. This is a great gift for women, who cannot give birth to a baby naturally due to one reason another. Not only Indian women, but many foreigners are also visiting India to get this treatment. The reason is that in India the cost for this treatment is just one-third of the cost in their nation. In India, the cost of this treatment is around Rs.2,50,000, while in countries like US, it costs greater than $10,000. However, for an average Indian Rs.2,50,000 is not an affordable cost.  Furthermore, this cost in addition to the other associated expenses can shoot up the family budget. This is why many couples search whether there are any insurance policies to cover infertility treatment.

Until January 2016, there was no answer to the questions of these couple, but now, Bharathiya Mahila Bank (BMB) has come forward to provide coverage for infertility treatment for women holding account with the bank. BMB has joined hands with New India Assurance to provide such a coverage. This policy called as BMB Nirbhaya will provide coverage for infertility treatment along with maternity.

What are the special features of the coverage?

• This policy is available for all account holders of BMB

• With this policy, women can get cashless facility

• Not only for infertility treatment, this policy will cover maternity expenses as well.

• The policy holders can get pre 30 days and post 60 days coverage for hospitalization

• Maternity coverage can be availed for first two children, if the coverage continues for at least 2 years without any break.

• The treatment for infertility will be covered only after 2 years if the renewal is done continuously without any break

• Day care expenses will be covered for any advanced treatment with less than 24 hours hospitalization

• Claim-free gynecological check up will be covered from the 4th year of the coverage

• Maternity expenses will be covered from the third year if the policy is continued without any break and it includes any expenses made for any miscarriages as well.

Other details:

The sum assured for BMB Nirbhaya is between INR 1 lakh and 5 lakhs. In addition to providing coverage to IVF, gynecological checkup and maternity treatment, it also covers morbid obesity and earning loss due to critical health issues as well. The premium for 1,00,000 coverage is Rs.1745 for women aged 22 years.

With the increasing medical expenses, particularly with the advancement of medical treatment for infertility issue in women, this is a great relieving news for women worried about their infertility and the associated costs. Health care providers are requesting the companies operating in the insurance field to provide coverage for infertility treatment as the costs are higher to manage for average Indian couples. So, BMB has joined hands with New Indian Assurance to provide such a coverage for the women holding account with the bank.

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Comments

0 # Priyansh 2018-09-03
Hello, plz tell me what are venereal diseases, can you plz suggest some good gynecologist in Khammam ?
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0 # Dr. Naresh 2018-09-04
veneral diseases are those which can be spread through sexual contact, The spreading agents can bacteria ,viruses etc, The examples are syphilis and gonorrhoea can be can spread by sexual contact, you can also find list of Gynecologist in Khammam.
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0 # Vivaan 2018-08-27
Hii, I am from Panipat, I want to know can cigerrete sharing can lead to syphilis ?
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0 # Dr. Naresh 2018-08-28
yes,sharing cigerette,drinking cups,common spoons etc can also lead to syphilis, Generally whenever the fluid of a person who has syphilis is shared,the infection can occur, you should also consult with good Gynecologist in Panipat
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0 # Aayush 2018-07-23
My friend has been diagnosed with gonorrhoea, Please tell which tests will be advisable, also suggest gynec in Etah ?
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0 # Dr. Pooja 2018-07-25
VDRL tests should be done every month for 3 consecutive months for detecting syphilis as well as other sexually transmitted diseases,These tests should be conducted at proper times, find good Gynecologist in Etah
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0 # Vivaan 2018-07-09
Can gonorrhoea be caused by the infected towels, also provide the list of good gynecologist in Purnia?
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0 # Dr. Naresh 2018-07-10
Gonorrhoea can be transmitted by the infected towels, handkerchiefs of the infected person, But most cases are due to sexual contacts, find here list of good Gynecologist in Purnia.
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0 # Priyansh 2018-07-04
Hii, plz tell me,Which tests can confirm syphilis in primary stage, also suggest name of good maternity hospitals in Jharsuguda ?
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0 # Dr. Naresh 2018-07-05
During the primary stage,DG illumination tests are very helpful, find good maternity hospitals-Raj Maternity and Nursing Home.
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0 # Himmat 2018-07-02
My friend has been diagnosed with gonorrhoea, Please tell which tests will be advisable, also suggest gynec in Mandi ?
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0 # Dr. Pooja 2018-07-03
VDRL tests should be done every month for 3 consecutive months for detecting syphilis as well as other sexually transmitted diseases,These tests should be conducted at proper times, find good Gynecologist in Mandi
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0 # Aarush Older than three months
Hi, plz let me know What is the incubation period of Syphilis, also give me the list of good female's specialist in Karur ?
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0 # Dr. Pooja Older than three months
Hii, The incubation period can be 10 to 90 days, plz find list of Gynecologist in Karur
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0 # Tushar Older than three months
Hello, I am from Dindori, PLz suggest some biochemic remedies for gonorrhoea .
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0 # Dr. Pooja Older than three months
Kali Mur, Natrum Mur, Natrum Sulph, and silicea are few important biochemic emedies in homoeopathy which can be used safely in this case, you can also take advise from gynecologist given here-Gynecologist in Dindori.
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0 # Tushar Older than three months
My friend has been diagnosed with gonorrhoea, Please tell which tests will be advisable, also suggest gynec in Jaisalmer ?
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0 # Nishith Older than three months
Hii can you plz tell me, Which fluids can cause or spread syphilis infection, alos give me the list of good gynec in North Goa?
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0 # Dr. Naresh Older than three months
Infection from semen, blood or lactation milk can occur and cause syphilis, Infection from blood syringes is very common, Infected mothers can transmit it through their milk also, consult with good Gynecologist in North Goa .
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