Fertility Treatment Price in India: What You Actually Pay for IVF, IUI, and More

When you're exploring fertility treatment price, the out-of-pocket cost for medical help to conceive. Also known as assisted reproductive technology costs, it's not just about the procedure—it's about the entire journey, from tests to meds to follow-ups. Many people assume IVF is the only option, but it’s just one part of a bigger picture. In India, fertility care is more affordable than in the U.S. or U.K., but prices still vary wildly depending on the clinic, city, and what’s included.

The IVF cost, a process where eggs are fertilized outside the body and implanted usually runs between ₹1,50,000 and ₹3,00,000 per cycle. That’s the base price. Add in medications—often ₹50,000 to ₹1,00,000 more—and you’re looking at ₹2,00,000 to ₹4,00,000 total. IUI cost, a simpler procedure where sperm is placed directly into the uterus, is much lower: ₹8,000 to ₹20,000 per attempt. But success rates are different. IVF has higher success, especially for women over 35 or with blocked tubes. IUI works best for mild male factor issues or unexplained infertility. Then there’s ICSI, a variation of IVF where a single sperm is injected into each egg, which adds ₹30,000 to ₹60,000 to the bill. It’s often used when sperm count or movement is low.

What really affects the fertility treatment price? Location matters—cities like Mumbai or Delhi charge more than smaller towns. Clinic reputation plays a role too. A hospital with high success rates and advanced labs won’t be cheap, but it might save you money in the long run by reducing the number of failed cycles. Some clinics bundle everything: scans, bloodwork, drugs, and embryo transfer. Others charge separately for each step, which can add up fast. Don’t forget hidden costs: genetic testing, freezing embryos, or extra consultations. And if you need donor eggs or sperm? That’s another ₹50,000 to ₹1,50,000.

Most people don’t realize insurance in India rarely covers fertility treatments. A few corporate plans might offer partial coverage, but it’s rare. That means most pay out of pocket. That’s why many look at package deals—three IVF cycles for the price of two, or free consultations with a fertility specialist. Some clinics offer payment plans. Others partner with financial lenders for medical loans. It’s worth asking.

There’s no one-size-fits-all price tag. Your age, diagnosis, and how many tries it takes all change the final number. But knowing the range helps you plan, ask smart questions, and avoid surprise bills. Below, you’ll find real-world breakdowns, patient experiences, and tips on how to cut costs without cutting corners—so you can move forward with confidence, not confusion.