Fees and Financing

Transparent Pricing For Every Patient

Financial Clarity Before Treatment Begins

One of the most commonly cited sources of distress among couples undergoing fertility treatment is financial uncertainty — not just the cost of treatment itself, but the unpredictability of that cost. Stories of unexpected charges, billing surprises after a procedure, and costs that continue to mount without clear explanation are unfortunately common in the Indian healthcare landscape. Dr. Krishnakumar’s clinic takes a categorically different approach.

Before any treatment begins, a written cost estimate is provided to the couple. This estimate covers every component of the planned treatment: the initial consultation, the investigation panel, the monitoring scans, surgical or procedural fees, laboratory charges, and medications. Transparent pricing is not a feature of a premium service level at this clinic — it is the standard of practice for every patient.

Cost Components For Common Treatments

Consultation Fees

Initial consultations are priced transparently and communicated when the appointment is booked. Subsequent consultation fees are similarly stated in advance. There is no additional charge for follow-up questions during the investigation phase or during an active treatment cycle.

IVF & ICSI Cycle Costs

The all-in cost of an IVF or ICSI cycle at JK Women Hospital covers stimulation monitoring, egg retrieval procedure, embryology (fertilisation, embryo culture to blastocyst), and fresh embryo transfer. A written estimate specific to each patient’s treatment plan is provided at the outset.

Frozen Embryo Transfer (FET)

Frozen embryo transfer cycles are significantly less expensive than full stimulation cycles. The FET cost covers monitoring, endometrial preparation medication, embryo thawing, and transfer. Cryopreservation (storage) fees apply annually for stored embryos.

Surgical Procedures

All surgical procedures — laparoscopic and hysteroscopic — are priced based on the type and complexity of the procedure, the expected duration and resources required, and the hospital facility charges. A full breakdown is provided in writing before the procedure is scheduled.

Instalment and EMI Options

Recognising that fertility treatment represents a significant financial commitment, the clinic offers instalment payment arrangements for IVF and other multi-component treatment plans. Patients who wish to discuss payment over time are invited to speak with the clinic’s billing team at the time of the initial consultation. The aim is to ensure that financial constraints do not prevent a couple from accessing the treatment they need.

Insurance & TPA Facilitation

Health insurance coverage for fertility investigations and treatment in India has expanded significantly. The clinic’s billing team will review each patient’s insurance policy, identify what is potentially claimable, prepare the necessary documentation, and facilitate the TPA process for claims submission.

Payment Methods

All major payment methods are accepted at JK Women Hospital for your convenience. For patients requiring invoices for insurance or tax purposes, formal GST invoices are provided for all billable services.

• Cash, Debit and Credit Cards (Visa, Mastercard, RuPay)
• Digital Wallets: PhonePe, Google Pay, Paytm
• Transfers: UPI, Net Banking, and NEFT
• Telemedicine: UPI or Bank Transfer pre-appointment

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