Karnataka Adds Subsidized IVF and Fertility Treatments to Health Scheme for Infertile Couples

Karnataka Expands access To Fertility Treatments Under New State Scheme

Bengaluru, Karnataka – In a significant move to support families, the Karnataka Government has officially incorporated Assisted Reproductive Technology (ART) procedures, including In Vitro Fertilization (IVF), into its existing AB-PMJAY CM’s ArK health scheme. This expansion aims to make advanced fertility treatments more accessible to those who need them most. The initiative addresses a critical gap in healthcare coverage, offering hope to couples struggling with infertility.

A Lifeline for Eligible Couples

Initially,the benefit will be rolled out as a one-year pilot program,extending to 120 Priority Household (PHH) cardholders. The scheme is designed for couples with no living biological children where medical intervention is necessary, but financial constraints pose a barrier to treatment. This includes procedures like IVF, Intracytoplasmic Sperm Injection (ICSI), and Frozen Embryo transfer (FET).

Where Treatments Will Be Available

Eligible individuals will have access to these treatments at various healthcare facilities. These include government-run tertiary care hospitals, district hospitals, medical colleges, and autonomous institutes. Additionally, approved private ART centers—those registered under the Assisted Reproductive Technology (Regulation) Act—will participate in the program, broadening access for patients. The American society for Reproductive Medicine (ASRM) estimates that approximately one in eight couples experience infertility.

Understanding The Coverage Details

Qualified couples are entitled to a one-time benefit that covers up to three ART cycles throughout their lifetime. This includes all associated frozen embryo transfer cycles. The Karnataka Private Medical Establishments (KPME) expert committee will establish fixed package rates for all procedures, ensuring clarity and affordability. Data from the Centers for Disease Control and prevention (CDC) shows that the success rates of ART procedures vary depending on factors like age and the specific treatment used.

Key Scheme Details – A quick Reference

Feature	Details
Target Beneficiaries	120 Priority Household (PHH) cardholders (Pilot Phase)
Covered Procedures	IVF, ICSI, FET
coverage Limit	Up to 3 ART cycles (lifetime)
Treatment Locations	Government hospitals & Approved Private ART Centers
rate Determination	Karnataka Private Medical Establishments (KPME)

Future Expansion and Guidelines

An expert committee, led by the Executive Director of the State Agency for Assisted Reproductive Technology (SAST), is currently finalizing detailed guidelines. These guidelines will outline the specific eligibility criteria,inclusion/exclusion norms,standard operating procedures,and the process for facility empanelment. The government indicates that,after the initial year,service provision may be concentrated within government hospitals if sufficient infrastructure becomes available.

This initiative positions karnataka as a leader in proactive healthcare policy, addressing a sensitive issue with a practical solution. The scheme’s success will likely serve as a model for other states seeking to expand access to fertility treatments.

What Do You Think?

Do you believe expanding access to fertility treatments is a crucial step in supporting families? Share your thoughts in the comments below. Furthermore, how might this initiative impact the broader healthcare landscape in Karnataka?

Disclaimer: This article provides general details and should not be considered medical advice. Consult with a qualified healthcare professional for personalized guidance regarding fertility treatments.

Karnataka Adds Subsidized IVF and Fertility Treatments to Health Scheme for Infertile Couples

Published: 2026/01/31 06:35:01 | Author: Dr. Priya deshmukh

Karnataka has taken a significant step towards supporting families struggling with infertility by including In Vitro Fertilization (IVF) and other assisted reproductive technology (ART) treatments under its flagship health scheme, the Arogya Sanjeevini scheme. This landmark decision, announced in early 2026, promises to make fertility treatments more accessible and affordable for countless couples across the state. This article delves into the specifics of this initiative, outlining eligibility criteria, covered procedures, available benefits, and practical guidance for those seeking to utilize this support.

Understanding the Arogya Sanjeevini Scheme & Fertility Coverage

The Arogya Sanjeevini scheme, previously focused on providing complete health insurance coverage for a range of illnesses and procedures, now extends its support to address the growing need for affordable fertility treatments in Karnataka.This expansion acknowledges infertility as a health issue deserving of state support, moving away from the traditional perception of it being a ‘personal’ problem.

The inclusion of IVF treatment under government schemes is a progressive move, aligning Karnataka with a growing number of states recognizing the importance of accessible reproductive healthcare. The scheme aims to reduce the financial burden associated with ART, which can be substantial, frequently enough exceeding several lakhs of rupees per cycle.

Eligibility Criteria: Who Can Benefit?

Navigating the eligibility requirements is crucial for couples hoping to access subsidized fertility care in Karnataka. The key criteria currently include:

* residency: Couples must be permanent residents of Karnataka. Proof of residency, such as Aadhar cards or voter IDs, will be required.

* Marriage Duration: Couples must be legally married for at least five years. This requirement aims to ensure that couples have genuinely attempted natural conception.

* Age Criteria: Women must be between 25 and 45 years of age,and men between 25 and 55.These age limits are based on the optimal success rates of ART procedures.

* Infertility Diagnosis: A formal diagnosis of infertility from a qualified medical practitioner is mandatory. This diagnosis will need to confirm the inability to conceive naturally after at least one year of unprotected intercourse (or six months for women over 35). Accepted diagnoses include:

* Tubal factor infertility

* Male factor infertility (e.g., low sperm count, motility issues)

* Ovulatory disorders (e.g., PCOS, anovulation)

* Unexplained infertility

* Income Limit: While initially proposed as worldwide, the scheme currently has an income cap of ₹6 lakhs per annum for families to qualify. This is subject to review and potential adjustments.

Covered Procedures & Treatment Options

The Arogya Sanjeevini scheme covers a range of ART procedures, providing financial assistance for:

1. In Vitro Fertilization (IVF): The core offering, covering egg retrieval, fertilization, embryo transfer, and associated medications. The scheme typically covers up to two IVF cycles per couple.
2. Intrauterine Insemination (IUI): A less invasive procedure, IUI is covered for couples with mild male factor infertility or cervical mucus issues.
3. Intracytoplasmic Sperm Injection (ICSI): A specialized IVF technique used in cases of severe male factor infertility, where a single sperm is injected directly into the egg.
4. Gamete Intrafallopian Transfer (GIFT): A less common procedure, GIFT involves transferring eggs and sperm directly into the fallopian tubes.
5. diagnostic Tests: Essential diagnostic tests to identify the cause of infertility, including semen analysis, hormone testing, and hysterosalpingography (HSG), are also covered.
6. Pre- and Post-Procedure Care: The scheme extends to cover necessary pre-treatment consultations, monitoring, and post-transfer care.

Important Note: The scheme does not currently cover egg or sperm donation, surrogacy, or treatments deemed experimental.

Financial Assistance & Reimbursement Details

The level of financial assistance provided varies depending on the procedure and the hospital where the treatment is received.

* Government Hospitals: Treatments performed at designated government hospitals are largely free of cost, with the scheme covering the full expense.

* Private Hospitals (Empanelled): For treatments at empanelled private hospitals, the scheme offers a reimbursement of a fixed percentage of the total cost, currently capped at ₹1,00,000 per cycle for IVF. Couples will need to pay the remaining amount. A list of empanelled hospitals is available on the Arogya Sanjeevini website.

* Reimbursement Process: Couples need to submit relevant documentation,including medical reports,treatment bills,and Aadhar cards,to the designated authorities for reimbursement. The reimbursement process typically takes 30-60 days.

Benefits of the Scheme: Beyond Financial Relief

The inclusion of subsidized IVF in Karnataka offers benefits extending beyond mere financial assistance:

* Increased Access: Makes fertility treatments accessible to a wider segment of the population, notably those from lower and middle-income groups.

* Reduced Emotional Burden: Alleviates the emotional stress associated with the financial strain of fertility treatments.

* Early Diagnosis & Treatment: Encourages couples to seek early diagnosis and treatment, possibly improving success rates.

* Improved Family Planning: Supports couples in achieving their family planning goals.

* boost to Medical Tourism: potentially attracts patients from neighboring states seeking affordable ART services.

Practical Tips for Navigating the Scheme

* early Registration: Register with the Arogya Sanjeevini scheme well in advance of starting treatment.

* Choose an Empanelled Hospital: Ensure the fertility clinic you choose is empanelled under the scheme to be eligible for reimbursement.

* Gather Documentation: Collect all necessary documents, including medical reports, marriage certificate, and proof of residency, before starting treatment.

* Understand the Reimbursement Process: Familiarize yourself with the reimbursement process and timelines.

* Consult with a Fertility Specialist: Discuss your eligibility and treatment options with a qualified fertility specialist.

* Stay Updated: Regularly check the Arogya Sanjeevini website for updates and changes to the scheme guidelines.

Real-World Impact: A Case Study

In December 2025, Ms. Lakshmi and Mr. Kumar, a couple from Bangalore, successfully conceived through IVF after utilizing the Arogya Sanjeevini scheme. Having struggled with infertility for seven years, they were initially disheartened by the high cost of IVF. The scheme enabled them to access treatment at a private empanelled hospital, significantly reducing their financial burden.“Without this scheme,we would have had to abandon our dream of having a child,” shared Ms. Lakshmi. Their story exemplifies the positive impact of this initiative on countless couples in Karnataka.

Future Outlook & Potential Enhancements

The Karnataka government has indicated its commitment to further expanding the scope of the Arogya Sanjeevini scheme to include additional ART procedures and potentially increase the reimbursement limits. Discussions are underway to explore the possibility of covering egg and sperm donation in the future.The success of this initiative will likely serve as a model for other states considering similar measures to address the growing need for affordable infertility treatment options across India.