Is IVF Covered Under Go Digit - Inifnity Wallet Policy?

If you're planning a family or starting IVF, coverage is the first thing to pin down. Here's a clear breakdown of maternity and IVF coverage under Go Digit - Inifnity Wallet Policy — the waiting periods, exclusions, and costs that matter.

Know Your Policy

What You Need to Know About Maternity or IVF Coverage

Start here. These are the questions people ask most often about IVF coverage:

Is maternity covered under Go Digit - Inifnity Wallet Policy?
Does Go Digit - Inifnity Wallet Policy cover IVF treatments?
Is there a maternity health insurance plan with no waiting period?
Do co-payment clauses apply to maternity or IVF?
What's actually included: labour, delivery, IVF cycles, and complications?
Which exclusions apply, such as pre-existing conditions or outpatient care?
Are complications like C-sections or IVF-related surgeries covered?
Does the policy reimburse newborn vaccinations?
Is your child covered from day 1, or only after 90 days of birth?
Can a pregnant woman buy a maternity policy based on her trimester?
Must both spouses be on the same plan for pregnancy-related claims to be approved?
Can maternity benefits be added to an existing policy for a small extra premium each year?

How to Check If IVF Is Covered in Your Go Digit - Inifnity Wallet Policy

Brochures rarely spell out whether maternity or IVF is fully covered, and the fine print does the real talking. Here's how to read your Go Digit - Inifnity Wallet Policy:

Search for terms like “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, and “Pregnancy Complications”.
Check the waiting periods first: maternity and IVF often carry 9-48 month waits, even when covered.
Read the exclusions: IVF costs, outpatient treatments, and pre-existing pregnancy are frequently left out.
Confirm when newborn coverage starts; it commonly begins only after 90 days.
Look at sub-limits and co-pay clauses: delivery may be capped (e.g., ₹50,000) or carry a 10-20% co-pay.
Note whether both spouses must be on the same policy to access maternity benefits.
Trimester matters: if you're already pregnant, maternity add-ons can be denied based on your current trimester.
Some plans let you add maternity cover for a small extra premium. Check whether Go Digit - Inifnity Wallet Policy offers that option.

IVF Costs and Financial Impact

IVF Can Be Expensive — Here's What You Need to Know

Maternity and IVF bills add up fast, and the biggest numbers usually come from these items:

IVF costs: ₹40,000 - ₹2,00,000 per cycle
Maternity hospitalization: ₹30,000 - ₹50,000 for delivery
C-sections or complications: ₹60,000 - ₹1,50,000
ICU costs for maternity complications: ₹18,000–₹30,000 per day

Know how your policy's limits could hit these costs, and plan ahead.

What Happens When You Try to Claim for IVF?

Understanding IVF Is Great — But Don't Stop There

Here are real situations expectant parents and IVF patients run into:

Case 1: My maternity claim wasn't paid because my husband and I had both not served the complete waiting period.
Case 2: IVF was covered under my policy, but only 50% of the costs were reimbursed. The rest was capped by a sub-limit.
Case 3: My policy covered the delivery but not the IVF treatment leading up to it. I didn't realise IVF sat outside the standard maternity benefit.
Case 4: My newborn's vaccinations weren't reimbursed because they were classified as outpatient care.
Case 5: My wife was already 6 months pregnant, and no insurer would issue a maternity policy at that trimester.

Knowing what Go Digit - Inifnity Wallet Policy covers, and what it doesn't, is what keeps this from happening to you.