Does Royal Sundaram - NextGen Policy Cover IVF? Here's the Clause Explained

If you're planning a family or starting IVF, you need a clear view of what applies. This is a structured breakdown of maternity and IVF coverage under Royal Sundaram - NextGen Policy — waiting periods, exclusions, and the costs involved.

Know Your Policy

The Key Points to Understand About Maternity or IVF Coverage

We've organised the questions people ask most often about IVF coverage:

Is maternity covered under Royal Sundaram - NextGen Policy?
Does Royal Sundaram - NextGen Policy cover IVF treatments?
Does any maternity health insurance plan exist with no waiting period?
Are co-payment clauses applied to maternity or IVF claims?
What falls inside the cover: 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 included?
Is newborn vaccination part of 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?
Must both spouses sit 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 Whether IVF Is Covered in Your Royal Sundaram - NextGen Policy

Most brochures don't state plainly whether maternity or IVF is fully covered, and the fine print is easy to misread. Follow these steps to read your Royal Sundaram - NextGen Policy in order:

Search for terms such as: “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, “Pregnancy Complications”
Check the waiting periods: maternity and IVF often carry 9-48 month waits, even when the benefit is included.
Identify the exclusions: IVF costs, outpatient treatments, and pre-existing pregnancy are frequently left out.
Confirm whether newborn coverage starts only after 90 days, which is common.
Review sub-limits and co-pay clauses: delivery may be capped (for example, ₹50,000) or require a 10-20% co-pay.
Note that some plans require both spouses to be on the same policy before maternity benefits apply.
Account for trimester: if you are already pregnant, maternity add-ons may be refused based on your current trimester.
Some pregnancy health plans allow maternity cover to be added for a small extra premium. Check whether Royal Sundaram - NextGen Policy offers that option.

IVF Costs and Financial Impact

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

Maternity and IVF treatment can add up quickly across several stages. The figures that carry the most weight 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

Work out how your policy's limits could affect these costs, and plan ahead.

What Happens When You Try to Claim for IVF?

Understanding IVF Is a Start — But Don't Stop There

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

Case 1: My maternity claim was declined because my husband and I had not both served the complete waiting period.
Case 2: IVF was covered under my policy, but only 50% of the costs were reimbursed. The remaining 50% 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 insurance policy at that trimester.

Knowing what Royal Sundaram - NextGen Policy covers — and what it doesn't — is what keeps this from happening to you.