Is IVF Covered Under Relaince General - Health Infinity Policy?

Before you start a family or begin IVF, know exactly what your policy pays for. This is a plain breakdown of Relaince General - Health Infinity Policy maternity and IVF coverage: what's included, the waiting periods, the exclusions, and the costs.

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 Relaince General - Health Infinity Policy?
Does Relaince General - Health Infinity Policy cover IVF treatments?
Is there any maternity health insurance plan with no waiting period?
Are there co-payment clauses for maternity or IVF?
What's included: labour, delivery, IVF cycles, and complications?
Are there any exclusions, such as pre-existing conditions or outpatient care?
Are complications like C-sections or IVF-related surgeries covered?
Is newborn vaccination covered under your maternity insurance policy?
Does your child get coverage from day 1, or only after 90 days of birth?
Can a pregnant woman buy a maternity insurance policy based on her trimester?
Do both spouses need to be on the same health plan for pregnancy-related claims to be approved?
Can maternity benefits be added to an existing policy by paying a small extra premium annually?

How to Check if IVF Is Covered in Your Relaince General - Health Infinity Policy

Brochures rarely say outright whether maternity or IVF is fully covered, and the answer usually sits in the fine print. Here's how to read your Relaince General - Health Infinity Policy:

Search for terms like “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, and “Pregnancy Complications”.
Check the waiting periods. Maternity and IVF often carry 9-48 month waits, even when they are covered.
Read the exclusions. IVF costs, outpatient treatments, and pre-existing pregnancy are frequently left out.
Confirm when newborn coverage starts. Beginning only after 90 days is common.
Look at sub-limits and co-pay clauses. Delivery may be capped (for example, ₹50,000) or carry a 10-20% co-pay.
Note whether both spouses must be on the same policy to unlock maternity benefits.
Mind the trimester. If you are already pregnant, maternity add-ons may be denied based on how far along you are.
Some pregnancy plans let you add maternity cover for a small extra premium. Check whether Relaince General - Health Infinity Policy offers that option.

IVF Costs and Financial Impact

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

Maternity and IVF add up fast. The biggest line items to plan for are:

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 bear on these numbers, and plan ahead.

What Happens When You Try to Claim for IVF?

Understanding IVF Is Great - But Don't Stop There

Here is what expectant parents and IVF patients actually run into at claim time:

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 cost was reimbursed. The rest was capped by a sub-limit.
Case 3: My policy paid for the delivery but not the IVF treatment that led 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 that late in the trimester.

Knowing what Relaince General - Health Infinity Policy covers, and what it doesn't, is what keeps this from happening to you.