IVF Under Relaince General - Health Gain Policy: Covered or Not?

Starting a family or already in an IVF cycle? Know exactly what applies. This is a clear breakdown of maternity and IVF coverage under Relaince General - Health Gain Policy: what's included, the waiting periods, the exclusions, and the costs.

Know Your Policy

Maternity and IVF Coverage: The Key Points

The questions people ask most often about IVF coverage, in one place:

Does Relaince General - Health Gain Policy include maternity benefits?
Does Relaince General - Health Gain Policy cover IVF treatments?
Is there a maternity plan that skips the waiting period entirely?
Do co-payment clauses apply to maternity or IVF claims?
What falls inside cover: labour, delivery, IVF cycles, and complications?
Which exclusions apply, such as pre-existing conditions or outpatient care?
Are C-sections and IVF-related surgeries treated as covered procedures?
Does the policy reimburse newborn vaccinations under maternity cover?
Is your child covered from day 1, or only after 90 days of birth?
Can a woman buy a maternity policy once she's already into a trimester?
Must both spouses sit on the same health plan for pregnancy claims to clear?
Can maternity benefits be bolted onto an existing policy for a small extra premium each year?

How to confirm IVF cover in your Relaince General - Health Gain Policy

Brochures rarely spell out whether maternity or IVF is fully covered, and the fine print is where the detail hides. Work through your Relaince General - Health Gain Policy like this:

Scan for the key terms: “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, “Pregnancy Complications”.
Confirm the waiting periods: maternity and IVF typically carry 9-48 month waits, even when covered.
Flag the exclusions: IVF costs, outpatient treatments, and pre-existing pregnancy are frequently left out.
Note newborn cover: it often starts only after 90 days.
Check sub-limits and co-pay: delivery may be capped (e.g., ₹50,000) or carry a 10-20% co-pay.
Verify the spouse rule: some plans require both spouses on the same policy to unlock maternity benefits.
Check your trimester: if you're already pregnant, maternity add-ons can be refused based on current trimester.
Look for the add-on option: some pregnancy plans allow maternity cover by paying a small extra premium. Confirm whether Relaince General - Health Gain Policy offers it.

IVF costs and financial Impact

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

Maternity and IVF add up fast across cycles, hospitalisation, and complications. Here's where the money goes:

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 where your policy's limits sit against these figures, and plan ahead.

What Happens When You Try to Claim for IVF?

Understanding IVF is Great - But Don't Stop There

Real situations expectant parents and IVF patients have run into:

Case 1: My maternity claim was rejected because my husband and I had not both completed the full waiting period.
Case 2: IVF was covered under my policy, but only 50% of the costs came back. The other 50% was capped by a sub-limit.
Case 3: My policy paid for the delivery but not the IVF treatment leading up to it. I hadn't realised IVF sat outside the standard maternity benefit.
Case 4: My newborn's vaccinations weren't reimbursed because they were treated 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 Relaince General - Health Gain Policy does and doesn't cover is what keeps this from happening to you.