Why IVF Costs Can Lead to Financial Ruin
In vitro fertilization (IVF) offers hope to millions struggling with infertility, but the dream of parenthood often comes with a hefty price tag that can push families to the brink of bankruptcy.
The True Cost of IVF
The average cost of a single IVF cycle in India in 2025 ranges from ₹1,00,000 to ₹3,00,000, depending on the clinic, city, and complexity of treatment.
Most couples require 2–3 cycles for a reasonable chance of success, pushing total expenses to ₹5,00,000 or more.
Additional procedures-such as ICSI, donor eggs or *****, embryo freezing, and genetic testing-can add tens of thousands to lakhs of rupees per cycle.
Why IVF Can Drain Your Savings?
Multiple Cycles Needed: IVF success rates per cycle are modest, so repeated attempts are common, multiplying costs quickly.
Hidden and Add-On Costs: Initial quotes often exclude medications, diagnostic tests, donor fees, and advanced procedures, leading to unexpected bills.
Limited Insurance Coverage: Most health insurance plans in India do not cover IVF, forcing couples to pay out-of-pocket.
Emotional Pressure: The desire for a child can drive couples to exhaust savings, take loans, or sell assets in pursuit of success.
The Bottom Line
IVF is a medical miracle, but its high cost-especially when success requires multiple cycles and add-on treatments-can devastate family finances, sometimes leading to debt or bankruptcy.
Devika Mehta
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