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Is IUI Treatment Covered Under Insurance?

IUI is a reliable infertility treatment which helps couples experience parenthood. Patients seeking IUI often look for insurance coverage, but usually, most insurance companies do not offer any coverage for IUI treatment and other fertility treatments. Yet, there are some options that you can explore, which we’ll cover below.

IUI is a reliable infertility treatment which helps couples experience parenthood. Patients seeking IUI often look for insurance coverage, but usually, most insurance ... Read More

IUI Treatment Insurance Claim

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IUI Treatment with Insurance at Pristyn Care

Is IUI Covered Under Health Insurance?

Generally, health insurance companies provide a range of health benefits such as outpatient care, emergency services, prescription drugs, pediatric services, and maternity and newborn care. However, what isn’t included in the benefits offered by several healthcare companies is infertility care.

This is generally because getting treatment for infertility is an individual’s own choice and is not really medically necessary. But, with the surge in need for fertility treatments, some insurance providers have introduced plans that cover IUI treatment. These plans may cover parts of the treatment or the entire treatment.

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Aditya Birla Health Insurance Co. Ltd.

National Insurance Co. Ltd.

Bajaj Allianz General Insurance Co. Ltd.

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Future General India Insurance Co. Ltd.

HDFC ERGO General Insurance Co. Ltd.

How to get IUI Treatment under Insurance?

Some insurers have now started offering insurance coverage for certain infertility treatments, including IUI. This coverage may include the cost of the entire IUI treatment, a cycle of IUI, the cost of hormonal assessments or medical testing, expenses of OT, etc. The coverage provided by these insurers is subject to differ, and therefore the patients must seek clarity while purchasing the policy.

1 Intimation

Fill up the pre-auth form at the network hospital for cashless approval. Fill up the pre-auth form at the network hospital for cashless approval

2 Approval/Rejection

Fill up the pre-auth form at the network hospital for cashless approval. Fill up the pre-auth form at the network hospital for cashless approval

3 Hospitalisation

Hospitalisation can be done on the basis of pre-auth approvalHospitalisation can be done on the basis of pre-auth approval

4 Claim Settlement

At the time of discharge, we settle the claim directly with hospitalAt the time of discharge, we settle the claim directly with hospital

1 Hospitalization At Non Network Hospital

You need to pay the bills initially and preserve the original invoices

2 Register A Claim

Post hospital discharge send us all your invoices and treatment documents

3 Verification

We verify your claim related invoices and treatment documents

4 Claim Settlement

We send the approved claim amount to your bank account

Types Of Insurance Coverage Available for IUI Treatment

The types of coverage provided by insurance providers for IUI can be different. While some policies may cover the entire treatment, the remaining might only cover some aspects of the treatment. Usually, insurance providers cover the following in their plans:

Complete coverage of treatment: Under this, the provider may cover the entire cost of IUI treatment.
Insurance for infertility diagnosis and limited fertility treatment: In this case, the insurance provider may offer partial coverage for diagnostic tests and treatment.
Insurance for infertility diagnosis only: Some insurance providers may offer insurance coverage for diagnostic tests necessary before IUI treatment.
Medication coverage: Under this, the cost of medicines or fertility drugs used in the IUI process may be covered.

Note: To understand what’s covered in the IUI insurance plans, you must contact the insurance provider directly. They will be able to help you understand the policy better.

All Major Insurance Accepted

Other Ways To Manage IUI Treatment Expense

Since insurance options for IUI treatment are still quite limited, patients who can’t bear the entire treatment cost on their own have to figure out other ways of managing their finances. Some ways in which you can manage the cost of your IUI treatment are as follows:

Child Loan:

Couples and individuals planning to get IUI can apply for a child loan. HSBC, in association with Genome- a fertility clinic, offers personal credit loans for couples who wish to conceive and start a family. Patients have to pay 14% interest on the amount and can pay easily within 1 to 5 years.

Finance Schemes From Bajaj Finance:

Bajaj Finance has various finance schemes for IUI, IVF, and some other fertility treatments. Through this, the patients can pay for the treatment in easy monthly installments instead of bearing the entire cost at once. Contact their team to obtain clarity on their plans along with other necessary details.

Personal Loan:

Personal loan can help you manage your IUI treatment cost. It helps finance treatments for couples planning a baby. Personal loans are available at several banks at reasonable interest rates. You can check out the loan offers by different banks and decide which will be best suited for you.

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FAQs around UI Treatment Insurance Coverage

How much does IUI cost in India?

IUI treatment is more affordable compared to other fertility treatments, such as IVF. A single cycle of IUI can cost you anywhere between Rs 15,000 and Rs. 20,000. Now, you should note that this is just an estimate, and the actual cost can vary significantly.

What factors contribute to the cost of IUI in India?

Patients seeking IUI treatment in India may have to bear different costs for the procedure. The difference in the cost occurs due to a variety of factors, such as: - The patient’s city - Choice of hospital or fertility clinic - Consultation fees of the fertility specialist - Cost of diagnostic tests for IUI - Cause of infertility - Cost of medication - Cost of donor sperm - Cost of follow-up sessions - Cost of anesthesia - Fees of anesthesiologist - Any other additional costs. All the hospitals and clinics provide a cost estimate only after assessing all these factors.

How many cycles of IUI are generally needed?

It totally depends. There’s no definite count as to how many cycles may be required. About 88% of successful IUIs happen in the first three cycles of IUI.

Why is IUI cost not covered under insurance?

Fertility treatments, such as IUI and IVF, are not considered medically necessary and, therefore, aren’t covered under insurance. Insurance policies, including both health insurance and mediclaim, generally cover medically necessary treatments only. But, with the increasing demand for these treatments, several insurance providers have started offering coverage for these treatments. To obtain clarity, you can reach out to these insurance providers directly.

Why Pristyn Care For Cost-Effective IUI Treatment?

Pristyn Care is one of the leading healthcare providers in India, which is chosen by several couples and individuals for IUI every year. We, at Pristyn Care realize the sensitivity associated with infertility and, therefore, provide compassionate care to patients who have infertility. We curate cost-effective IUI treatment packages to ease the financial burden of patients. In addition, we also provide No Cost EMI offers to further lessen the financial stress the patients may have to bear otherwise. All the doctors’ consultations and follow-up sessions are also free of charge, which is another reason why Pristyn Care is trusted by several people for IUI.

Not to mention, we also offer a range of other services to give patients a comfortable treatment experience. Some additional services offered at Pristyn Care include:

Care coordinators to assist patients throughout their treatment journey.
Free home sample collection facility.
Specialized care from the top fertility specialists in the country.

If you wish to get cost-effective IUI treatment, you can book your appointment with our expert fertility specialists right away. Reach out to our team to book your appointment hassle-free.