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5 hours ago · by · 0 comments
IVF in Hindi

आईवीएफ क्या है (IVF Kya Hai) और आईवीएफ इन्श्युरेन्स क्यों ज़रूरी है? डिटेल में जानिए

समय के साथ हमारी प्राथमिकताओं और आवश्यकताओं में बदलाव आया है, इसका कारण हमारी बदलती जीवनशैली भी है। जीवनशैली (lifestyle) में बड़े परिवर्तन के कारण कई समस्याओं का सामना करना पड़ रहा है, जिनमें निःसंतानता (Infertility) भी एक है। आज देश में संतान की चाह रखने वाले लगभग 10 से 15 प्रतिशत दम्पतियों को निःसंतानता का सामना करना पड़ रहा है।

निःसंतानता से प्रभावित दम्पतियों के लिए IVF Treatment (इन विट्रो फर्टिलाइजेशन) एक कारगर समाधान साबित हो रहा है। दुनियाभर में IVF प्रक्रिया के ज़रिए लाखों दम्पती संतान सुख प्राप्त कर चुके हैं। हालांकि, IVF एक advanced और costly treatment है, इसलिए आज के समय में IVF Insurance Plan या Infertility Insurance Cover की अहमियत भी तेज़ी से बढ़ रही है।

1978 में IVF तकनीक का आविष्कार ब्लॉक ट्यूब में गर्भधारण करवाने के लिए किया गया था। समय के साथ इसमें नए-नए आविष्कार होते गए और यह तकनीक अन्य निःसंतानता संबंधी समस्याओं में भी उपयोगी होती चली गई। अक्सर दम्पती ये जानना चाहते हैं कि IVF क्या है, IVF की प्रक्रिया कैसी होती है और क्या IVF का खर्च Insurance में कवर होता है?

आईवीएफ क्या है? (IVF Kya Hai)

IVF एक ऐसी तकनीक है, जिससे संतान की चाह रखने वाले दंपति गर्भधारण कर सकते हैं। यह उन couples के लिए बेहद उपयोगी है जो प्राकृतिक रूप से गर्भधारण करने में असफल रहते हैं।

IVF में महिला के शरीर में होने वाली निषेचन प्रक्रिया (महिला के अंडे और पुरुष के शुक्राणु का मिलन) को शरीर के बाहर laboratory में किया जाता है। इसके बाद तैयार भ्रूण को महिला के गर्भाशय में ट्रांसफर किया जाता है।

आज के समय में IVF के साथ-साथ यह सवाल भी आम हो गया है कि
“IVF treatment cost कितना होता है?”
और
“क्या IVF Insurance India में available है?”

आईवीएफ का फुल फॉर्म क्या होता है? (IVF Full Form in Hindi)

IVF का फुल फॉर्म In Vitro Fertilization होता है, जिसे आम बोलचाल में Test Tube Baby Treatment भी कहा जाता है। इस तकनीक में महिला के अंडे को पुरुष के शुक्राणु से लैब में fertilize किया जाता है और बने भ्रूण को गर्भाशय में ट्रांसफर किया जाता है।

दुनिया में पहली बार 1978 में लंदन में IVF प्रक्रिया की गई थी, जिससे लुईस ब्राउन का जन्म हुआ। आज IVF तकनीक के साथ-साथ IVF Insurance Coverage भी कई couples के लिए एक राहत बन रही है।

आईवीएफ (IVF) की प्रक्रिया क्या होती है?

1. अंडों की संख्या बढ़ाना

प्राकृतिक रूप से महिला की ओवरी में हर महीने कई अंडे बनते हैं, लेकिन उनमें से केवल एक अंडा mature होता है। IVF प्रक्रिया में महिला को दवाइयों और injections के ज़रिए multiple eggs mature करवाए जाते हैं।

इस स्टेज पर होने वाले scans, injections और medicines का खर्च कई बार ज्यादा होता है, इसलिए कुछ Health Insurance Plans with IVF Maternity Cover इसमें financial support दे सकते हैं।

2. अंडे शरीर से बाहर निकालना

अंडे mature होने के बाद ultrasound guidance में एक पतली सुई की मदद से अंडों को बाहर निकाला जाता है। कुछ घंटों बाद महिला घर जा सकती है।

यह procedure भी IVF treatment cost का अहम हिस्सा होता है, जिसे सही IVF Insurance Policy होने पर partially cover किया जा सकता है।

3. अंडा फर्टिलाइजेशन (Egg Fertilization)

महिला के अंडों को fertilize करने के लिए male partner के semen sample से healthy sperms चुने जाते हैं। लैब में fertilization की प्रक्रिया पूरी होती है।

यह स्टेज खासतौर पर उन couples के लिए फायदेमंद है जिनमें male infertility issues होते हैं।

4. भ्रूण का विकास

Embryologist भ्रूण को incubator में monitor करते हैं। 2–3 दिन में भ्रूण 6–8 सेल स्टेज में पहुंच जाता है। कई मामलों में भ्रूण को 5–6 दिन तक लैब में विकसित कर Blastocyst Stage तक लाया जाता है, जिससे IVF success rate बढ़ता है।

5. भ्रूण ट्रांसफर

चुने गए 1–2 healthy भ्रूण को catheter की मदद से महिला के गर्भाशय में ट्रांसफर किया जाता है। यह प्रक्रिया painless होती है और bed rest की ज़रूरत नहीं होती। भ्रूण ट्रांसफर के बाद pregnancy पूरी तरह natural तरीके से आगे बढ़ती है।

आईवीएफ ट्रीटमेंट कोस्ट (IVF Treatment Cost )और आईवीएफ इन्श्युरेन्स (IVF Insurance) का रोल

IVF एक महंगा इलाज हो सकता है और कई बार एक से ज्यादा cycles की जरूरत पड़ती है। ऐसे में आईवीएफ इन्श्युरेन्स, इनफर्टिलिटी इन्श्युरेन्स या हेल्थ इन्श्युरेन्स with फर्टिलिटी कवर (Fertility cover) couples को फाइनेंशियल स्ट्रेस (Financial Stress) से बचाने में मदद करता है।

आज कुछ insurance companies IVF treatment, medicines, diagnostics और hospital expenses को policy terms के अनुसार cover करती हैं।

IVF प्रक्रिया में जुड़वा बच्चे कैसे होते हैं?

IVF में एक से अधिक भ्रूण ट्रांसफर किए जाने पर twins या multiple pregnancy की संभावना बढ़ जाती है। हालांकि आजकल blastocyst transfer की वजह से multiple pregnancy का risk कम किया जाता है।

आईवीएफ (IVF) की आवश्यकता कब पड़ती है?

  • फॉलोपियन टूब ब्लोक (Fallopian tube block)
  • एंडोमेट्रिओसिस (Endometriosis)
  • पीसीओस (PCOS)
  • बार-बार गर्भपात
  • आयु कारक ( Age Factor)
  • लौ एग रिज़र्व (Low egg reserve)
  • Male infertility (low sperm count / poor quality)

इन सभी स्थितियों में IVF एक effective solution हो सकता है और सही IVF Insurance Plan इलाज को और आसान बना सकता है।

IVF तकनीक में नए आविष्कार

ICSI, IMSI, Laser Assisted Hatching, Blastocyst Culture, Embryo Monitoring System जैसी advanced technologies IVF success rate को बेहतर बना रही हैं।

निष्कर्ष

IVF करवाना किसी भी couple के लिए emotionally और financially आसान नहीं होता। ऐसे में सही guidance, advanced treatment और supportive medical team के साथ-साथ IVF Insurance Coverage भी बेहद महत्वपूर्ण भूमिका निभाता है।

SafeTree जैसी specialized Insurance Company insurance planning के साथ आपकी IVF journey ज्यादा smooth और stress-free बना सकती है।

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5 months ago · by · 0 comments

From Cradles to Crisis – India’s Fertility Rate Falls Below the Line

India’s Fertility Crossroads: Turning Challenge into Opportunity

India has quietly crossed a crucial demographic threshold. The latest UNFPA State of World Population report puts our Total Fertility Rate (TFR) at 1.9, which is below the replacement level of 2.1.
This shift could, over time, impact our workforce, put pressure on social security systems, and slow economic momentum.

Yet, this is not a story of decline; it’s a call to collective action.

Assisted reproduction, particularly IVF, can give millions of couples the opportunity to build the families they dream of. But success requires a strong and supportive ecosystem:

🔹 Clinics that deliver world-class, ethical care
🔹 Insurers who cushion financial risk and widen access
🔹 Policymakers who streamline regulation and encourage innovation
🔹 A society that normalizes conversations around fertility and parenthood

At SafeTree, we’re committed to playing our part in designing affordable insurance solutions that make IVF financially feasible for both patients and providers.

Let’s work together so that the choice to become parents is guided by possibility, not affordability.

Population Momentum vs. Fertility Decline: India’s Demographic Shift

UN Report

According to the latest UNFPA report, India’s Total Fertility Rate (TFR) has declined to 1.9, below the replacement level of 2.1.
In 1960, Indian women had nearly 5 children on average — today it’s just 1.9.

What Makes India’s Fertility Journey So Uniquely Complex?

Even though India has the largest population today, its fertility rate is now lower than the U.S. and far below many developing nations.

fertility rates

Why India’s Fertility Journey is Uniquely Complex?

Factor India Other Countries
Internal TFR Variation High (1.4–2.9 across states) Low or uniform
Age Structure Young (median ~28 yrs) Older (Japan: ~48 yrs)
Fertility Challenges Social + medical (infertility) Mostly social/economic
Marriage Trends Mix of early & delayed Largely delayed (urbanized)

From metro restraints to rural rise, India’s fertility doesn’t drop; it divides

  • Delhi, Kerala, Tamil Nadu – TFR: 1.4 to 1.6 (similar to European countries)

  • Bihar & Uttar Pradesh – TFR: 2.8 and 2.4, respectively

This overall decline in the Total Fertility Rate (TFR) is accompanied by increasing urbanisation and a rise in per capita GDP—a global pattern also evident across Indian states. Metropolitan cities like Delhi exhibit significantly lower TFRs. This trend can be attributed to the following seven factors.

  1. Financial Insecurity

  2. Career Priorities

  3. High Cost of Raising Children

  4. Lack of Childcare Support

  5. Lifestyle Changes

  6. Late Marriages

  7. Housing Constraints

Reduced fertility rates can tip the delicate balance of demographics. Urban vs Rural Reality

1. Ageing Population

Why it matters: Fewer working-age individuals must support a growing elderly population, increasing economic pressure on both public pensions and households.

2. Economic Slowdown

As the workforce shrinks, economic growth can stagnate or even contract if productivity doesn’t keep pace.

3. Labor Shortages

Fewer young people entering the job market can lead to shortages in key sectors. In India, this could reverse rapid economic gains that originated from labour-rich demographics.

4. Pressure on Social Systems & Healthcare

An ageing population raises demand for elderly care, while fewer births mean lower investments in schools and childcare.

Call or email our expert to Know more –

📞 Shiva Vikas Kumar – +91 9210044039
✉️ vikas.kumar@safetree.in
🌐 www.safetree.in

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3 years ago · by · 0 comments
Eggsurance: IVF Donor Insurance

Eggsurance: The Importance of Insurance For Female Donors In IVF

Insurance providers may offer coverage for female donors in ART procedures, such as IVF, for several reasons. The egg donation process can be invasive, requiring medical treatment and monitoring, which can be expensive. Furthermore, there are risks associated with egg donation, such as ovarian hyperstimulation syndrome (OHSS), which can also be costly to treat.

Providing coverage for female donors can reduce the financial burden and make the process more accessible. Insurance providers consider egg donation as a medical expense and an important aspect of the IVF process, which helps couples and individuals struggling with infertility have a biological child. Hence, insurance providers may cover egg donation to make the process more accessible and financially manageable.

Providing insurance coverage for female donors in ART procedures can ensure their safety in several ways.

It covers the cost of medical treatment or monitoring required during the egg donation process, such as blood tests, ultrasound, and necessary medications, ensuring appropriate care and treatment. Insurance coverage also includes potential complications during the egg donation process, such as OHSS, to ensure donors receive necessary medical treatment and minimise complications’ impact on the donor’s health.

       1. Insurance coverage reduces financial burden and stress for egg donors         in ART procedures:

  • The egg donation process can be invasive and expensive, requiring medical treatment and monitoring.
  • Insurance coverage for female donors can make the process more accessible by reducing the financial burden.
  • This enables donors to focus on the medical aspects of the process and reduce stress and anxiety.

    2.  Coverage may include psychological counselling to help donors cope with emotional and psychological aspects:

  • Egg donation can have emotional and psychological impacts on donors.
  • Insurance coverage may provide psychological counselling before, during, and after the donation process to help donors cope with these aspects.
  • This can improve the overall experience for donors and potentially lead to better outcomes.

    3. Insurance coverage improves accessibility, protects donors, and identifies potential risks or complications:

  • Providing insurance coverage for female donors in ART procedures makes the process more accessible and financially manageable.
  • Insurance coverage ensures appropriate medical treatment or monitoring during the egg donation process, minimising risks and complications like OHSS.
  • This protects and takes care of the donor throughout the process and identifies potential risks or complications in a timely manner, leading to better outcomes.

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3 years ago · by · 0 comments
Rules for ART clinics and banks

Protecting The Health And Safety Of The Donors With The Donor Protection Act

The fertility service sector in India is booming with an estimated 27 million infertile couples. The sector is worth thousands of crores. News reports have raised legal concerns over custody of children born to couples from abroad. Deaths of egg donors and ethical issues have also emerged. Parliament passed the Assisted Reproductive Technology (Regulation) Bill 2021 and the Surrogacy (Regulation) Bill 2020.

Assisted Reproductive Technology (ART) Act

The Parliament passed the ART Act and Surrogacy Act in December 2021, and the law came into force in January 2022.

What is ART?

ART techniques involve manipulating sperm or egg cells outside the human body and transferring the resulting embryo into a woman’s reproductive tract. These techniques include in vitro fertilisation (IVF), sperm donation, and gestational surrogacy, where a surrogate carries a child not biologically related to her.

Rules for ART clinics & banks

Every ART clinic and bank must register and maintain their details in a central database, as required by the National ART & Surrogacy Department of India. The registration is valid for five years, renewable for another five years, and can be cancelled or suspended if the institution violates the Act’s provisions. ART clinics are also prohibited from providing a child of predetermined sex, and they must conduct genetic disease checks before implanting an embryo into a woman’s reproductive tract.

Conditions for sperm donation & ART services

According to the Act, a registered ART bank can collect, screen, and store sperm from men aged 21-55 years and store eggs from women aged 23-35 years. However, there are limitations, such as the Act only permits a woman to donate seven eggs once in her life, and the bank cannot supply the semen of one donor to more than one couple. In addition, both the donor and the couple seeking the ART procedures must provide written informed consent. The couple must also provide health and life insurance coverage for the female donor.

  • The prohibition of advertising or offering a sex-selective ART procedure carries a punishment of imprisonment ranging from 5 to 10 years or a fine of Rs 10 to Rs 25 lakhs.
  • The child born through ART is considered the biological child of the couple and is entitled to all rights.
  • The donor is not entitled to any parental rights over the child.

Regulation of ART processes

The Surrogacy Act expects the National and State Boards to regulate Assisted Reproductive Technology (ART) services. These boards are responsible for advising the government on policy, reviewing and monitoring the implementation of the law, and formulating a code of conduct for all ART clinics and banks.

Offences

The Act considers abandoning or exploiting children born through the ART process, the sale, purchase, or trade of the embryos, and exploiting the couple or donor in any form as offences. The first-time offenders may attract a fine of Rs 5 to 10 lakhs. Subsequent offences are punishable with imprisonment for 8 to 12 years and a fine of Rs 10 to 20 lakhs. These regulations will enhance and regulate the delivery of infertility services in India.

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Related Blogs

IVF in Hindi

आईवीएफ क्या है (IVF Kya Hai) और आईवीएफ इन्श्युरेन्स क्यों ज़रूरी है? डिटेल में जानिए

Why 600+ IVF & Surrogacy Clinics Trust SafeTree

From Cradles to Crisis – India’s Fertility Rate Falls Below the Line
Impact of ART Act 2021 on Oocyte Donors

Survey Report – Impact of the Assisted Reproductive Technology (Regulations) Act 2021 on Oocyte Donors.
Safetree Surrogate Mother Insurance

Safetree launches Exclusive Insurance Products for Surrogate Mother

Fertility Regulations: A need of the hour

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