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Government IVF Schemes in India: Ayushman Bharat & State Programs
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Government IVF Schemes in India: Ayushman Bharat & State Programs

Complete guide to government-funded IVF programs in India.

IVFDekho Team • Research Team
26 January 2025
8 min read

IVF treatment can be expensive, but several government schemes and state programs can help reduce costs. Here's a comprehensive guide:


Central Government Schemes


Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PMJAY)

  • Coverage: Up to ₹5 lakhs per family per year
  • Fertility Coverage: Limited - covers some diagnostic tests
  • IVF: Not directly covered, but some states include it
  • Eligibility: BPL families listed in SECC 2011 data

    • Janani Suraksha Yojana (JSY)

  • Focused on safe motherhood
  • Doesn't cover IVF directly
  • May help with related expenses

    • State-wise IVF Schemes


    Maharashtra

    Mahatma Jyotiba Phule Jan Arogya Yojana

  • Covers some fertility treatments in empanelled hospitals
  • Up to ₹1.5 lakhs for specified procedures
  • Government hospitals have subsidized IVF programs

    • Tamil Nadu

    Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS)

  • Covers some fertility treatments
  • Empanelled private hospitals participate
  • Apply through government hospitals

    • Andhra Pradesh & Telangana

    Aarogyasri Scheme

  • Limited fertility coverage
  • Government hospital IVF programs available
  • Waiting lists can be long

    • Gujarat

    Mukhyamantri Amrutam (MA) Yojana

  • Covers hospitalization for fertility treatments
  • Must use empanelled hospitals

    • Delhi

    Delhi Government Hospitals

  • Safdarjung Hospital, LNJP Hospital
  • Subsidized IVF at ₹30,000-50,000
  • Long waiting lists (6-12 months)

    • Rajasthan

    Bhamashah Swasthya Bima Yojana

  • Some fertility treatments covered
  • Government hospital IVF programs

    • Government Hospital IVF Programs


    AIIMS Delhi

  • Highly subsidized: ₹25,000-40,000
  • Excellent success rates
  • Very long waiting lists (1-2 years)

    • Government Medical Colleges

    Many state medical colleges offer IVF:

  • KEM Hospital, Mumbai
  • PGI Chandigarh
  • JIPMER Puducherry
  • Christian Medical College, Vellore

    • Cost: ₹25,000-60,000 (significantly cheaper)

    Trade-off: Longer waits, less personalized attention


    How to Apply


    Step 1: Check Eligibility

  • Income certificates
  • BPL card (if applicable)
  • Aadhaar card
  • Marriage certificate

    • Step 2: Approach Government Hospital

  • Visit the gynecology department
  • Get referred to the IVF unit
  • Submit required documents

    • Step 3: Registration & Waiting

  • Get on the waiting list
  • Attend counseling sessions
  • Prepare for treatment when called

    • Private Hospital Subsidies


    Some private hospitals offer:

  • Sliding scale pricing based on income
  • CSR programs for underprivileged patients
  • EMI options with 0% interest

    • Examples:

  • Cloudnine: Financial assistance programs
  • NOVA IVF: Payment plans
  • Indira IVF: Affordable packages for lower income groups

    • Tips to Access Government IVF


  • Start early - waiting lists are long
  • Gather all documents in advance
  • Visit multiple government hospitals to compare waiting times
  • Stay in touch with the IVF coordinator
  • Be prepared for basic facilities - focus on medical care quality

    • Alternative Financial Help


  • Personal loans with fertility-specific plans
  • Crowdfunding platforms like Milaap, Ketto
  • NGO support (HelpAge India, Fertility support groups)
  • Employer assistance - some IT companies now offer fertility benefits

    • The path to parenthood shouldn't be limited by finances. Explore all available options and use IVFDekho to find affordable, quality care near you.

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