A2V INSURANCE BROKERS PVT. LTD.
In India, IVF (in vitro fertilisation) is an important treatment yet a costly path to the parenthood journey. A recent study shows that the financial burden is staggering; the average cost per IVF cycle is about ₹2.3 lakh in private clinics or hospitals and ₹1.1 lakh in government hospitals. Nearly 90% of IVF patients face catastrophic health spending, often borrowing money or depleting savings.
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।
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.
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.
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.
