Financial planning for fertility treatments
Hi guys, I need some help planning financially for fertility treatments.
Initially, we planned to keep aside around ₹1 lakh before meeting the fertility specialist. We thought this would cover the first few months of tests, medicines, scans, and maybe one cycle with medication + monitoring.
But after just the first consultation and initial tests, we’ve already spent around ₹30–35k on blood tests, scans, and supplements.
The doctor has currently asked us to try naturally for 2 months and then come back. She also mentioned follicular study, and while researching I’ve been reading a lot about IUI and IVF too.
I understand costs vary for everyone depending on diagnosis and treatment plan, but having a rough ballpark figure would really help me plan more realistically. I originally assumed the initial blood work and medicines would cost around ₹10–15k, but it ended up being almost double, so now I feel like I need a better understanding of the overall journey.
For context, I’m in Chennai and visiting a medium-sized fertility clinic, not a large chain hospital.
Would really appreciate hearing:
- How much you roughly spent during the early stages
- How did you plan for it? Maybe even numbers like how much an IUI cycle costs
- Any unexpected expenses you wish you planned for
- Any savings tips
Thank you!