IVF Under Universal Sompo - Complete Healthcare Policy: Is It Covered?

Starting a family or beginning IVF means knowing exactly what your policy pays for. This page lays out, step by step, how Universal Sompo - Complete Healthcare Policy handles maternity and IVF coverage, waiting periods, exclusions, and costs.

Know Your Policy

The Key Questions on Maternity and IVF Coverage

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

Is maternity covered under Universal Sompo - Complete Healthcare Policy?
Does Universal Sompo - Complete Healthcare Policy cover IVF treatments?
Does any maternity health insurance plan come with no waiting period?
Are there co-payment clauses that apply to maternity or IVF?
What exactly is 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?
Is newborn vaccination included in the maternity insurance policy?
Is your child covered 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 be covered under 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 Universal Sompo - Complete Healthcare Policy

Most brochures do not state plainly whether maternity or IVF is fully covered, and the fine print is easy to misread. Follow this method to read your Universal Sompo - Complete Healthcare Policy:

Search for terms such as: “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, “Pregnancy Complications”.
Confirm the waiting periods: maternity and IVF often carry 9-48 month waits, even when the benefit exists.
Identify the exclusions: IVF costs, outpatient treatments, and pre-existing pregnancy are frequently left out.
Note whether newborn coverage starts only after 90 days, which is common practice.
Review sub-limits and co-pay clauses: delivery may be capped (for example, ₹50,000) or carry a 10-20% co-pay.
Verify whether both spouses must be on the same policy to access maternity benefits.
Account for the trimester: if you are already pregnant, maternity add-ons may be denied based on the current trimester.
Determine whether add-on maternity coverage is available for a small extra premium. Check if Universal Sompo - Complete Healthcare Policy offers that option.

IVF Costs and Financial Impact

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

Maternity and IVF care add up across several stages, and the largest expenses typically come from:

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

Review how your policy's limits apply to these costs so you can plan ahead.

What Happens When You File an IVF Claim?

Knowing About IVF Is a Start — but Don't Stop There

These are real situations expectant parents and IVF patients have encountered:

Case 1: My maternity claim was declined 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 were reimbursed. The remaining 50% fell outside a sub-limit.
Case 3: My policy covered delivery but not the IVF treatment leading up to it. I had not realised IVF sat outside the standard maternity benefit.
Case 4: My newborn's vaccinations were not 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 exactly what Universal Sompo - Complete Healthcare Policy does and does not cover is what keeps this from happening to you.