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No insurance covered for infertility treatment as well as IUV and IVF.
If you have company policy you will get the delivery expense claim.
No one cover for pregnancy.

First, you get it treat the infertility issues.  If the infertility issue is minor then it can be solved from here.. otherwise go to India and treat it if you are indian.

If you are Kerala or Indian let me know for the best infertility clinic in India

As mentioned, there is no insurance policy that covers fertility treatments.  This is an elective treatment and as such, no one will cover it.

Employer provided insurances will cover delivery and pregnancy check ups.  But if you get it as an individual, there will be a waiting period before pregnancy is covered.  Usually, it is a year.

Thanks for the reply ...

yes , India preferably as its comparatively very expensive here....

If any references appreciated

XTang wrote:

As mentioned, there is no insurance policy that covers fertility treatments.  This is an elective treatment and as such, no one will cover it.

Employer provided insurances will cover delivery and pregnancy check ups.  But if you get it as an individual, there will be a waiting period before pregnancy is covered.  Usually, it is a year.

Hi XTang,

Most employers' insurance coverage for their employees will provide basic coverage only.

And most definitely the following would not be covered :

(1) fertility treatment
(2) pregnancy check-ups
(3) delivery charges
(4) dental procedures
(5) ophthalmic related
(6) beauty treatment
(7) cosmetic surgeries

In some rare cases, exemptions could be there.

Yes true - depending on the level of the hire.  Fertility and cosmetic treatments are not covered for anyone irrespective of the level.