A2V INSURANCE BROKERS PVT. LTD.

Plan Your Fertility
Journey Before You
Need It

PCOS, Thyroid or Career-focused. Different bodies, Different timelines. Whatever your story, be financially and medically prepared for your parenthood journey.

IUI & Fertility Procedures
PCOS & Hormonal Support
IVF Treatment Coverage Covered
IVF Coverage up to ₹2.5 Lakh
Fertility planning couple
Fertility awareness

Why Fertility Planning Can't Wait ?

Every year of delay increases financial risk, emotional stress, and medical uncertainty. The data speaks clearly.

1 in 5

Women Have PCOS/PCOD

Polycystic ovary syndrome silently affects millions of Indian women in their 20s and early 30s often discovered only when trying to conceive.

₹4–6L

Average IVF Cost Per Cycle

A single IVF cycle in India costs ₹2–4 lakhs. Most couples require 2–3 cycles making the financial burden devastating without a plan.

1 in 10

Women with Thyroid Issues

Hypothyroidism and hyperthyroidism both affect fertility. Yet most women only discover thyroid-related infertility when trying to conceive.

32+

Average Age of Having First Baby

Career goals and delayed marriages are pushing first pregnancies later. After 35, fertility declines significantly time is a real, biological factor.

90%

IVF Treatments are Financially Unplanned

Nearly 3 in 4 couples facing IVF have no financial plan leading to loans, delays, or abandoning treatment altogether mid-cycle.

97%

Planning Starts Too Late

Fertility conversations usually begin when there’s pressure. And by then, both time and options are already reduced.

The challenge is never fertility alone. It is always uncertainty + cost.

Why IVF Becomes a Devastating Financial Burden ?

Most Indian families are not financially prepared for fertility treatment. The numbers are stark.

Total IVF Journey Cost
₹8L – ₹12L+ Total IVF Journey Cost
What most couples actually end up spending across 2–3 cycles
💉
IVF Cycle (Procedure + Meds)
₹2L – ₹3L per cycle
🧪
Pre IVF Diagnostic Tests & Scans
₹30,000–60,000
👩‍⚕️
Pre IVF Specialist Consultations
₹15,000–30,000
🏥
Other miscellaneous expenses
₹50,000–1 L
1

Most families take personal loans

Without a plan, 68% of IVF couples resort to personal loans or borrowing from family adding financial stress to an already emotional time.

2

Treatment is often abandoned mid-cycle

Cost fatigue causes many couples to stop treatment before completion reducing their chances of success dramatically.

3

Regular health insurance doesn't cover IVF

Standard health policies explicitly exclude fertility treatments. You need a product built specifically for this journey.

✅ The SafeTree Solution

SafeTree's Future Fertility Plan is India's first dedicated fertility planning product built to remove the financial uncertainty from your parenthood journey, starting at just ₹33/day.

What our Future Fertility Plan Covers ?

🏥

IVF Treatment

Covers 1 complete IVF cycle, including all key procedures, lab work, and embryo transfer at network hospitals.

Covered
💧

Frozen Embryo Transfer

Covers transfer of frozen embryos, improving your chances without repeating the full IVF cycle.

Covered
💧

IUI Cycles

Includes two IUI attempts as an early-stage, less invasive fertility treatment option

Covered
🔬

Hysteroscopy / Laparoscopy Surgery

Diagnostic and corrective procedures to address underlying fertility-related conditions.

Covered
🤝

Wellness Management

Ongoing support with expert consultations, lifestyle guidance, and fertility-focused wellness programs.

Covered
💊

Cashless Clinic Network

Access Pan India IVF and fertility centres with cashless treatment.

Pan India
Coverage Breakdown
Future Fertility Planning Insurance Benefit Value
IVF Treatment₹1,50,000
2 IUI Cycles₹20,000
Frozen Embryo Transfer (FET)₹50,000
Hysteroscopy / Laparoscopy Surgery₹30,000
Complimentary Wellness SupportUnlimited
Total Coverage Value
₹2,50,000
*20% Co-payment applicable on each claim

How the Plan Works ?

Three simple steps your path to fertility confidence and financial peace of mind.

🌱
1

Start Early Today

Enroll at ₹999/month or ₹9,600/year. Zero medical tests, zero complicated paperwork. Just start.

₹999/month
2

3-Year Planning Window

Your coverage builds quietly while you live your life, grow your career, and plan your family timeline on your terms.

Peace of mind
💫
3

Access Full Insurance Coverage

IVF, IUI, diagnostics, and wellness support with our cashless partner clinics across India when you are ready.

Up to ₹2.5 Lakh

Built for Modern Women & Forward-Thinking Couples

Wherever you are in your fertility journey, this plan meets you there with zero judgement and full support.

Women with Fertility Conditions

Living with PCOS, PCOD, endometriosis, or thyroid issues? You may never need IVF. But having a financial safety net means you are always in control not blindsided when the time comes.

PCOS · PCOD · Thyroid · Endo

Career-Driven Women & Achievers

Delaying motherhood for your career, education, or personal goals? Smart. Now make your fertility finances just as smart. Build your dream career while your fertility future stays protected.

Late Marriage · Career Planning

Egg Freezing Consideration

Before investing ₹2–5 lakh on egg freezing with annual storage fees, stimulation injections, and emotional strain explore a smarter, comprehensive alternative at just ₹999/month.

Egg Freezing Alternative

Couples Planning Their Future

Starting your journey together? Build financial clarity before fertility becomes urgent. A plan started today means zero panic tomorrow begin your parenthood journey with complete confidence and control.

Couples · Joint Family Planning

SafeTree vs Your Other Options

See why the Platinum Care Plan is the smartest choice for future fertility planning in India today.

Feature
SafeTree Future Fertility Insurance Plan
Egg Freezing
No Plan
Monthly Cost
₹999/month
₹15,000–25,000/yr storage
₹0 now
When Needed (IVF Costs)
Coverage is upto 2.5Lakh
₹2–4L+ out of pocket
₹4–12L crisis loan
Medical Test to Start
Not Required
Extensive medical screening
N/A
IUI Coverage
Included
Not applicable
Self-funded
IVF Treatment Coverage
Covered
Separate cost
Fully out of pocket
Complimentary Wellness Support
Yes Eligible
No
No
Peace of Mind
Complete ✓
Partial
None ✗

Why Choose Safetree for Fertility Insurance Planning?

We are India's first insurance broker dedicated to fertility and reproductive health planning built by people who understand what this journey means.

🏆

Award-Winning Expertise

Recognised by the Indian Fertility Society and ET Healthworld National Fertility Awards 2025. We know this space deeply.

🤝

500+ Partner IVF Clinics

Cashless access across India's top IVF centres and reproductive medicine hospitals. Your treatment, your city, our network.

🛡️

IRDAI Regulated Product

Fully approved, compliant, and transparent. Your policy is backed by a regulated insurer no hidden clauses, no surprises.

💬

Dedicated Fertility Advisors

Our trained fertility insurance advisors not generic call centres guide you through every step with empathy and expertise.

📋

Paperless & Hassle-Free

Enroll entirely online, receive your policy digitally, and access claims support 24×7 fertility care without paperwork fatigue.

💚

Holistic Wellness Support

Beyond coverage our plans include nutrition guidance, mental wellness support, and fertility coaching for your whole journey.

Testimonials

★★★★★
"I was diagnosed with PCOS at 27 and didn't know what the future held. SafeTree gave me a plan and when we needed IVF at 31, we were completely financially ready. No loans, no panic."
👩
Priya S.
Software Engineer, Bangalore
★★★★★
"My gynac told me at 29 that IVF might be in my future due to my thyroid. I enrolled that same week. Three years later covered, confident, and now a mother of one beautiful daughter."
👩
Ananya M.
Marketing Manager, Mumbai
★★★★★
"My husband and I enrolled together just before our wedding. When we needed IVF at 33, the cashless claim process at our partner clinic was completely smooth. Best decision we made."
👩
Kavitha R.
Teacher, Chennai

Frequently Asked Questions

FAQ

What is a Fertility SIP?

A Fertility SIP is a simple way to plan ahead for your future fertility needs through small, regular contributions. Instead of facing large, unexpected expenses later, it helps you build financial readiness over time so you’re prepared if you ever need treatments like IVF.

Is this an insurance plan?

Yes, this is an insurance-backed fertility planning solution designed by the one of leading health insurance company in India. It combines financial protection for treatments like IVF with added wellness benefits—so you’re not just covered for the future, but also supported along the way.

What is the right time to start your fertility planning?

The best time is now, especially if you plan to start a family within the next 2 to 5 years. Starting early allows you to complete necessary waiting periods and lock in financial security long before the biological or emotional pressure begins.

Why should I plan fertility in advance instead of waiting?

Waiting ensures you aren't forced to make high-stakes medical and financial decisions under pressure. By planning in advance, you secure lower premiums and complete the necessary waiting periods today, so you have absolute freedom and 100% coverage the moment you're ready.

Is this plan only for women facing fertility issues?

Not at all. While it is a lifesaver for those managing conditions like PCOS or thyroid issues, it is equally vital for anyone who wants to "future-proof" their options, ensuring that career goals or unexpected health changes never stand in the way of starting a family.

Is it too early to think about fertility planning in my 20s?

Actually, your 20s are the best time to start because it allows you to lock in lower premiums while your health is at its peak. By starting now, you finish the 3-year waiting period early, giving you total freedom to focus on your career or lifestyle without your biological clock ticking in the background.

What happens if I never need IVF?

That is actually the best-case scenario. This plan serves as a safety net, ensuring that if you do need support, the financial barrier is already removed, but if you don't, you've simply gained three years of invaluable peace of mind. Think of it as an investment in your future certainty; you aren't paying for an obstacle, you're paying for the freedom to know you're covered regardless.

Does a woman's fertility really decline after 35?

Yes, fertility begins to decline more rapidly after 35 as both the quantity and quality of eggs decrease. By starting your planning in your late 20s or early 30s, you complete the 3-year waiting period ahead of time, ensuring that medical and financial support is fully ready whenever you decide the time is right.

Can I buy this future fertility plan after diagnosis?

Yes, you can. Unlike many traditional policies, this plan is specifically designed to include those already managing conditions like PCOS or thyroid issues. However, because a 3-year waiting period applies, starting immediately is essential to ensure your coverage is fully matured and ready the moment you decide to conceive.

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Wait Don't Leave Without Your Free Fertility Guide!

Get our "Complete Fertility Planning Guide for Indian Women" covering PCOS, thyroid fertility issues, IVF costs, and how to plan ahead. Absolutely free.

📥 Get My Free Guide & Consult No thanks, I'll figure it out on my own