When Dreams Meet Decisions
Choosing IVF (In Vitro Fertilization) is both a medical and emotional journey — one that holds the hope of parenthood, but also brings questions, especially about financial readiness. For many couples, cost is a significant concern, and not having a clear plan can add stress to an already sensitive time.
At Dr. Richa Gangwar’s fertility clinic in Lucknow, we believe that transparency, compassionate counselling, and step-by-step financial guidance can help you begin IVF with clarity and confidence — emotionally and financially.
Why IVF Requires Financial Planning
IVF involves advanced technologies, specialised medication, highly trained medical teams, and multiple steps — each requiring careful monitoring and timing. Because of this, IVF costs can vary depending on:
- Age and fertility profile
- Medications required
- Number of cycles needed
- Use of additional techniques (like ICSI, embryo freezing, donor eggs, etc.)
While IVF is an investment in your family’s future, we understand that planning ahead can help you manage expenses without feeling overwhelmed.
What Does IVF Typically Cost?
In India, the cost of one IVF cycle may range between ₹1,00,000 to ₹2,50,000 or more. This range includes:
- Initial consultations and fertility tests
- Ovarian stimulation medications
- Ultrasound and hormone monitoring
- Egg retrieval and lab fertilization
- Embryo transfer
- Luteal phase support medications
Additional costs may arise for:
- ICSI (if required for male factor infertility)
- Embryo freezing and storage
- Donor programs (egg, sperm, or embryo)
- Repeat cycles if the first attempt doesn’t succeed
At Dr. Richa Gangwar’s clinic, we offer transparent pricing and help patients choose a plan that fits their treatment goals and budget.
Planning Tips: Making IVF More Manageable
💰 1. Understand the Full Cost Breakdown
Ask for a detailed estimate upfront. Break it down into:
- Consultation & diagnostics
- IVF cycle cost
- Medication (which may not be included)
- Emergency or optional costs (freezing, donor eggs, etc.)
Being informed helps avoid last-minute surprises.
🧾 2. Explore Payment Options
Some couples assume IVF must be paid all at once — but that’s not always the case. Many clinics offer:
- Installment plans
- EMIs through third-party finance partners
- Package options that cover 1–3 cycles at a reduced cost
At our clinic, we assist couples in choosing flexible plans without compromising care.
📄 3. Check Insurance or Employer Support
While most insurance policies in India don’t fully cover IVF, some plans may include:
- Diagnostic tests
- Medications
- Partial infertility coverage
Additionally, some corporate organisations offer fertility wellness benefits — check with your HR department.
📊 4. Budget Beyond the Procedure
Remember, expenses don’t end with embryo transfer. Plan for:
- Post-transfer medication
- Follow-up scans and consultations
- Pregnancy care (if successful)
- Emotional support or counselling (if needed)
Our goal is to support you throughout, not just during the procedure.
🫂 5. Seek Emotional and Financial Guidance Together
Couples often feel overwhelmed discussing finances during fertility treatment. But planning together:
- Eases financial stress
- Builds emotional teamwork
- Creates realistic expectations
At Dr. Richa Gangwar’s fertility clinic, we offer one-on-one IVF counselling that includes emotional, medical, and financial preparedness.
Affordable IVF Care Without Compromise
We understand that cost matters — but so does trust, comfort, and medical excellence. That’s why we ensure:
- No unnecessary tests or add-ons
- Minimal, personalised medication plans
- Clear communication about cost at every step
- Gentle, non-judgmental support for your financial concerns
We work closely with you to make IVF affordable, transparent, and stress-free — because financial limitations shouldn’t keep you from starting your family.
Final Thoughts: Plan With Heart and Hope
IVF is a significant step, and like all big decisions in life, it requires thoughtful planning — medically, emotionally, and financially. By creating a solid financial plan and choosing a clinic that puts your care first, you can begin your journey feeling supported, not pressured.
At Dr. Richa Gangwar’s clinic in Lucknow, we combine clinical excellence with compassion, helping you take each step toward parenthood with confidence and clarity.
