Can IVF treatment be covered under the Ayushman Bharat card?

Hello,

We understand your concern. IVF treatment can be expensive, especially when your budget is limited. There are some government schemes and affordable treatment options that may help you manage the cost.

Generally, Ayushman Bharat PM-JAY does not cover IVF (In-Vitro Fertilization) or infertility treatment under the national scheme. However, some state-specific schemes may have different rules, so it is important to check the scheme available in your state.

What are the affordable options for IVF treatment?

1. State Government Schemes

Some states may offer special support for IVF treatment to eligible families. For example, Karnataka has reported a state-level initiative for IVF and related fertility treatments for certain eligible beneficiaries. Please confirm the current eligibility rules and participating hospitals with the state health department.

2. ESIC Scheme

If you or your spouse are covered under ESIC, ask your ESIC hospital whether IVF treatment is available through an approved fertility centre or a tie-up hospital and what costs are covered.

3. CGHS Scheme

If you or your spouse are eligible for CGHS as a central government employee or pensioner, check the current rules for IVF treatment and reimbursement with the CGHS office.

4. Government Hospitals

You can contact AIIMS or a government medical college with a fertility department to ask about IVF treatment at subsidised rates. The cost and availability may vary, and some medicines or tests may need to be paid for separately.

5. Affordable Private IVF Centres

If you choose a private fertility centre, ask for the complete treatment cost before starting. Confirm whether medicines, injections, blood tests, embryo freezing and other charges are included. You can also ask whether monthly payment plans are available.

Please share a few details so we can guide you better.

1. Which city and state do you live in?

2. Do you or your spouse have an ESIC card or work in a government job?

3. What is your approximate budget for IVF treatment?

Based on these details, we can help you explore suitable government schemes and affordable IVF treatment options.

Wishing you and your family good health always.
Warm regards,
Team HexaHealth