Does health insurance in India cover IVF or fertility treatment?

Most standard health insurance policies in India exclude infertility treatment and assisted reproduction, so plan on paying out of pocket. A few corporate group policies and some specialised or top-up plans offer limited cover, sometimes after long waiting periods and with sub-limits — and cover for related items such as certain surgeries or diagnostic tests is more common than cover for IVF itself. Before starting, ask your insurer or HR in writing: is infertility treatment covered, what's the waiting period, what's the sub-limit, and which expenses count. Also ask the clinic about instalment plans and keep every itemised bill, as some costs may be claimable.