A recent report from 2023 showed that, on average, 2-2.5 lakh IVF cycles are conducted in India. This itself is proof of how much the IVF industry is growing at a rapid rate in India. Despite this growing popularity, the price point still needs to be solved.
While 2.5 million IVF cycles are conducted globally, India’s IVF cycle number stands too low. Why? The prices of IVF treatment in India aren’t considered affordable by the middle-class population. Every couple planning an IVF must know the cost of IVF in Jaipur so that they can plan accordingly.
To combat this challenge, the IVF clinics in Jaipur, like Aastha Fertility, are working towards making IVF treatment accessible and affordable for all. They help their patients plan the treatment, not only mentally and physically but also financially.
This blog outlines some of the expert tips shared by Aastha Fertility to plan IVF financially in Jaipur while saving money.
Tips to Reduce IVF Costs in Jaipur
Since IVF costs in Jaipur can be high, a lot of couples often reconsider their decision to get a child. However, it is essential to note that following the right tips can help a lot in reducing the costs, such as:
Select a Reputable IVF Clinic
A reputable IVF clinic brings about quality treatment but at really competitive pricing. Before settling down for the treatment with one clinic, it is advisable to do some research around the clinics. Since you’re looking for clinics in Jaipur, check their success rates, doctors’ experience, and online reviews.
Get Package Deals
Most reputable IVF clinics in Jaipur offer package deals to help couples save on extra costs. The package deals usually consist of different options like consultation, test, medication and more. This eventually helps to save money as you don’t have to pay for every service individually.
Insurance Coverage
Thanks to various government initiatives, insurance coverage options for IVF treatment are now available. As a patient, you should check if your insurance plan covers IVF treatment. This can save you from paying huge amounts at once.
Choose Financing Option
Since IVF can be really expensive at times, the IVF clinics usually introduce payment plans for the patient. These payment plans require paying for the treatment gradually rather than all at once. You can check with the IVF clinic where you’re working and see if you can apply for the loan or pay with your credit card for a low-interest rate.
Include Additional Amount to Baby Fund
This doesn’t necessarily come from your IVF clinic, but you have to do it on your own. Almost all couples today save for their baby fund, so if you’re planning IVF, include a little extra. Including a little extra to your baby fund can help you achieve your dream faster than you can anticipate.
Reduce Unnecessary Costs
IVF requires you to be disciplined not only health-wise but also financially. Rather than spending on unnecessary things, you must save up and cut down your impulse buying habits. Self-discipline in financial investments can help you save for IVF treatment, allowing you to step forward to achieving your dream of starting a family.
Financial Things to Consider for IVF Treatment in Jaipur
Once you start planning your IVF treatment in Jaipur, you will have to be very mindful about its costs. Since there are different types of treatment, the cost for each of these treatments would also vary. The financial considers for IVF treatment in Jaipur include:
Insurance coverage
Price of the treatment and tests
Payment options
EET cycles
Embryo and egg freezing
Fertility programs
If you’re planning to move from any other part of the country to Jaipur for your IVF treatment then you’ll also have to consider your lodging costs.
Cost Breakdown of IVF Treatment
The IVF clinics in Jaipur offer a wide range of IVF treatments depending on the type of infertility condition you’re suffering from. If you’re planning to go for a specific type of IVF treatment, here’s a look at the cost breakdown for the IVF treatment in Jaipur:
| IVF Programme | INR 1,00,000 to INR 2,50,000 |
| Self-egg IVF Cycle | INR 1,00,000 to INR 3,00,000 |
| IVF Cycle with Donor Egg | INR 2,50,000 to 4,50,000 |
| IVF with ICSI | INR 1,50,000 to INR 3,50,000 |
| IVF with VEA | INR 1,50,000 to INR 3,00,000 |
| IVF with TESA and PESA | INR 1,75,000 to INR 4,00,000 |
Available Financing Options for IVF Cost Management
Apart from your savings, if you need extra funds for starting your IVF funds, here’s a look out at the best financing options:
- Bank Loans: Several banks are now providing personal loans for IVF loans to make IVF planning easier for you. However, the waiting period for these loans is slightly high. HDFC Bank and IDFC First Bank provide the personal loans for IVF.
- Insurance Plans: While earlier not all health insurance providers offered IVF treatment coverage, some of them are considering it. Various health insurance providers have launched their health insurance plans covering IVF treatment.
- EMI and Payment Plans: The IVF clinics in Jaipur also have tie-ups with banks that offer payment plans for IVF treatment. If your clinic isn’t providing EMI, you may opt for paying via credit card and converting it to EMI.
Take a look at the health insurance plans for IVF treatment:
- Magma HDI OneHealth Insurance Policy
- Digit Health Care Plus Policy
- National Insurance Co. Ltd.
- Aditya Birla Health Insurance Co. Ltd.
Note: It is advisable to check your loan eligibility while applying for loans. If you’re applying for health insurance coverage, the waiting period is long and you also need to check coverage.
Budget Planning and Saving for IVF
Here are a few tips that can help you plan your IVF treatment budget and save for it accordingly:
- Understand the Type of Treatment: There are different types of infertility IVF treatments for different conditions. Your gynecologist can help you understand what would be the suitable treatment for you and what will be the costs involved. Thus, you’ll be able to save accordingly.
- Put Extra Income to IVF: If you have an extra source of income, you should put earnings from that source towards your IVF fund.
- Track Extra Income: You need to keep a track on your extra income so that you can put it towards your baby care fund.
- Pharmacy Programs: Various clinics in Jaipur run payment programs to make it easier for the patients to pay their bills.
Final Words: Get Expert Advice from Aastha Fertility Clinic
Planning your IVF journey not only requires you to be mentally prepared but also financially. Your gynecologist can be of great help in understanding how to plan your journey and what options will be available to you. Experts at Aastha Fertility will not only help you plan your treatment, but also understand how you can cover the costs. They will give you a brief idea on how much the treatment would cost so that you can be financially prepared for it. Contact Aastha Fertility to get expert advice for starting your IVF journey
