By Dr. Shweta Agarwal, MBBS, DGO Medically reviewed by Dr. Shweta Agarwal, MBBS, DGO · July 2026
Information on this page is educational and does not replace a medical consultation or official scheme guidance. Scheme rules are set by the government and can change; always verify current terms on the official portal.
Aansh Hospital & IVF Center is a government-registered Level-2 ART clinic (Reg. No. MH/AC/2024/15441/L2/Chandrapur/132), serving patients across Chandrapur, Nagpur, and Vidarbha. Our government ART registration covers regulated IVF and ICSI treatment. This page addresses a question we are asked often — does any government health scheme pay for IVF? — with a plain, factual answer.
Many couples planning IVF ask whether Ayushman Bharat, their state health card, or an employer health policy will cover any part of the cost. This is a reasonable question given how central these schemes have become to hospital care in India — but the honest answer for IVF specifically is no, not currently, for the large majority of patients. This page explains why, what these schemes do cover, and what options actually exist for financing IVF.
Does Ayushman Bharat (PM-JAY) cover IVF treatment?
No — Ayushman Bharat's PM-JAY scheme does not currently include IVF or infertility treatment in its covered benefit package. PM-JAY is built around secondary and tertiary hospitalisation care for a defined list of conditions and procedures, and assisted reproductive technology (ART), including IVF and ICSI, is not on that list.
This is not specific to any one hospital or state — it reflects how the scheme's benefit package is structured nationally. PM-JAY was designed to protect low-income families from catastrophic hospitalisation costs for conditions like cardiac surgery, cancer treatment, and major medical or surgical emergencies. Elective, non-emergency fertility treatment sits outside that design.
Scheme benefit packages are reviewed and updated by the government from time to time, so this position should always be verified on the official PM-JAY portal rather than assumed to be permanent.
What does Ayushman Bharat actually cover, then?
Ayushman Bharat PM-JAY covers hospitalisation for a defined package of secondary and tertiary care conditions, up to ₹5 lakh per family per year, at empanelled public and private hospitals. Covered areas typically include surgeries, cancer care, cardiac procedures, and other conditions requiring inpatient hospitalisation, each linked to a specific package code and rate under the scheme.
The scheme is a genuinely valuable safety net for the conditions it covers — but its structure, built around emergency and major-illness hospitalisation, is fundamentally different from planned, elective fertility treatment delivered mostly through outpatient visits and day-care procedures. This is the structural reason ART has not been included, rather than any judgement about the medical importance of infertility care.
Do state government health schemes cover IVF?
Most state-level health schemes, including Maharashtra's Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY), follow a broadly similar structure to PM-JAY and do not typically include IVF or infertility treatment in their covered package. MJPJAY operates alongside PM-JAY in Maharashtra and shares a similar tertiary-care-focused design.
Because scheme rules, empanelled hospital lists, and covered procedures can be updated by state governments, patients should check the current benefit package directly on their state scheme's official website or through their scheme card helpline rather than relying on general information, including this article, as the final word.
Do private health insurance or employer policies cover IVF?
Most standard health insurance policies and employer maternity riders in India exclude infertility treatment and IVF, though some higher-tier or specialised policies are beginning to offer limited ART coverage as an add-on. This varies significantly by insurer and by the specific policy document, so a general assumption either way is unreliable.
If you have a health insurance policy or an employer-provided health benefit, the only reliable way to know your coverage is to read the policy exclusions section directly or call your insurer's helpline and ask specifically about assisted reproductive technology, IVF, and ICSI coverage — not just "infertility" as a general term, since wording varies. Some maternity riders explicitly exclude ART procedures even while covering pregnancy and delivery once a pregnancy is established.
If government schemes don't cover IVF, what can patients actually do?
Since IVF is largely a self-funded, out-of-pocket treatment in India today, the practical options for managing cost are 0% EMI instalment plans, staged diagnostics to spread spending over time, and a written cost estimate that lets you plan the full budget in advance. These do not replace insurance, but they materially change how manageable the cost is month to month.
0% EMI allows the cost of a cycle to be spread across 3–24 months rather than paid as a single lump sum, which is often the single most practical lever available to a self-paying family. Staged diagnostics — completing the fertility workup for both partners before committing to a full cycle — also means costs are incurred progressively rather than all at once, and some couples find a lower-cost intervention like IUI is appropriate before IVF is needed at all.
Final cost depends on individual clinical evaluation — see Costs & EMI for current pricing and EMI terms at Aansh.
Why does it matter to verify scheme terms directly rather than relying on hearsay?
Government scheme rules change, and a clinic, a relative, or a social media post repeating outdated information can lead a patient to either falsely expect coverage or falsely assume none exists when a specific new provision has been introduced. Because these schemes are run by the government and can be revised, the only reliable source is the official portal or the scheme's own helpline.
We do not have the authority to interpret PM-JAY or state scheme rules on a patient's behalf, and we would rather tell you clearly to verify independently than let a mistaken assumption affect your financial planning. If you have checked your scheme and believe you have ART coverage that we are not aware of, please share the documentation with our team and we will factor it into your treatment planning.