Why IVF Costs in India Remain a Barrier to Parenthood?

Infertility remains one of the least addressed global health challenges. The World Health Organization (WHO) reports that one in six couples worldwide experiences infertility, yet only 1% seek treatment. The primary barrier? Affordability.

In India, the acceptance of in-vitro fertilization (IVF) is growing steadily, driven by rising infertility rates and greater awareness. However, the prohibitive cost of IVF keeps this solution out of reach for many. With expenses ranging from ₹1.5 lakh to ₹4 lakh per cycle—depending on individual health conditions and requirements—IVF is an aspiration few can afford.

Abhishek Aggarwal, Chief Business Officer at Birla Fertility and IVF, explains the reasons behind IVF's high cost. Beyond the standard procedures, several factors contribute to the expense:

Medical conditions such as polycystic ovary syndrome (PCOS), endometriosis, or diminished ovarian reserve often necessitate advanced treatment protocols. These include specialized medications and diagnostic tests that significantly increase costs.

Comprehensive testing to evaluate reproductive health—such as hormone assessments, genetic screenings, and imaging studies—are vital for optimizing treatment outcomes. These pre-treatment tests are not optional but essential, adding to the financial burden.

Tailored medication regimens are often required to address hormonal imbalances or other conditions. The type and dosage of medications influence the overall cost of IVF cycles. Certain conditions may increase the likelihood of complications, such as Ovarian Hyperstimulation Syndrome (OHSS). Clinics must adopt precautionary measures, further escalating costs.

Despite its growing relevance, IVF is still considered a luxury rather than a necessity by most insurance providers. Many plans offer partial coverage, if at all, leaving couples to bear the majority of expenses. Although some corporate insurance plans have begun including fertility treatments, coverage remains inconsistent and insufficient.

IVF is more than a medical procedure—it is a lifeline for countless couples yearning to start a family. However, for this technology to truly democratize hope, systemic changes are needed. Fertility treatments should be acknowledged as essential healthcare, with robust insurance policies to mitigate financial hurdles.

Affordable IVF could transform millions of lives. Until then, infertility will remain an untreated and silent crisis—its solutions overshadowed by inaccessibility. The question now is: How long will we let cost stand in the way of hope?