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COST AND EMI

Know the price before you start.

The worry isn't only the cost. It's not knowing it, and finding out halfway through.

Answer seven quick questions and see your likely starting point and the typical cost range for it, and learn why each answer changes the price. Your exact package comes in writing after the first consultation, before any treatment begins.

Ask about cost on WhatsAppGet my cost guide (2 minutes)

Illustration of a woman on a sofa reading through a written treatment plan
On this page
  1. What would treatment cost for us?
  2. Test tube baby means IVF.
  3. Four things set your number.
  4. What the package covers, and what it doesn't.
  5. What we don't charge for.
  6. Pay in instalments, decided before you start.
  7. The cheapest cycle is the one you didn't need.
  8. 6 questions to ask any clinic about price.
  9. In their words, not ours.
  10. Cost questions, answered straight.
  11. Ask the price question first.

YOUR COST GUIDE · 2 MINUTES

What would treatment cost for us?

Seven quick questions. After each one you'll learn why it changes the plan, and the price. At the end you'll see your likely starting point and the typical cost range at Jananam for it.

  • No phone number or email needed.
  • Your answers stay on this page. They only reach us if you choose to send them on WhatsApp.
  • A guide, not a quote. Your written package after the first consultation is the one that counts.

Test tube baby means IVF.

Test tube baby is the everyday name for IVF (in vitro fertilisation): eggs and sperm are joined in the lab and an embryo is placed in the womb. So test tube baby cost and IVF cost are the same question.

WHAT DECIDES THE PRICE

Four things set your number.

Two couples can pay very different amounts for IVF at the same clinic. That is not a trick; it is because their treatment is different. These four things decide it.

EMI available: explained before you commit.

Tests you actually need

Chosen for your case, never a standard bundle. Both partners are checked first, so nothing is repeated later.

What tests come first

Medication dose

Set by your hormone levels and response, and adjusted at each visit. It is often the largest part of the cost.

Number of cycles

Agreed up front, with a point to review. We tell you when another cycle is unlikely to help.

What the package covers, and what it doesn't.

In writing, every time

Whatever the split, it is listed on your written package before you start. If something changes during treatment, you are told why before it is done.

What we don't charge for.

Tests you don't need

Every test has a medical reason, and you can ask what it is. No standard bundle, no repeat of recent reports from elsewhere unless they need repeating.

Add-ons without evidence

We stopped recommending the ERA test after using it in more than 750 patients, because in our experience it did not improve live birth rates sufficiently.

Why add-ons must earn it

Cycles that are unlikely to help

Before your first cycle we agree when we would change plan, pause or stop. Nobody is kept in a loop of paid cycles without a reason.

EMI

Pay in instalments, decided before you start.

EMI options are available, and our financial counsellor goes through them with you alongside your written package price, so you know the monthly amount before treatment begins. You decide at home, not in the clinic.

The cheapest cycle is the one you didn't need.

What a couple spends on IVF depends less on one cycle's price than on how many cycles it takes, and how many of them had a reason. Checking both partners first, freezing embryos where it helps, skipping add-ons without evidence and knowing when to stop all cut the total. A lower price per cycle can cost more in the end.

6 questions to ask any clinic about price.

A price per cycle means little until you know what it leaves out. Ask any IVF clinic these 6 questions, and ask for the answers in writing.

Is medication included in the IVF package price, or charged separately?

Charged separately. Each couple needs a different dose, so it is set for you rather than bundled, and your written package states it.

What does embryo freezing cost, and how much is storage each year?

Embryo freezing with the first year of storage is ₹36,000. Each year after that is ₹30,000 to ₹36,000. Both are listed in writing before you start.

What do I pay if the cycle is cancelled before egg collection?

That depends on how far the cycle has gone and what has already been used. It is discussed with your doctor before you start, and set out in your written package.

Is ICSI charged separately, and will you tell me if I actually need it?

ICSI is used only when needed, and we explain why before it is added.

Is PGT (embryo testing) recommended for us, and what is the evidence?

Only where it is indicated, for example age 38 and over or repeated failure or loss.

When PGT helps

What does each frozen embryo transfer after the first one cost?

A frozen embryo transfer is ₹35,000 to ₹70,000. The figure varies with your treatment plan and is discussed with your doctor before you start, then listed on your package.

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In their words, not ours.

4.9from 1,400+ Google reviewsSee all reviews on Google

From day one, you were completely transparent about our situation, personally oversaw every single detail of our care, and maintained the highest level of professionalism.

The chief doctor told to meet the counselling staff in jananam and they explained on the treatment cost and timelines.

Cost questions, answered straight.

How much does IVF cost at Jananam?

IVF cost at Jananam depends on the tests you need, your medication dose, lab techniques like ICSI or freezing, and the number of cycles. You get a package price in writing after the first consultation, before treatment starts. EMI options are explained before you commit.

What is the cost of test tube baby treatment in Chennai?

Test tube baby treatment is IVF, and its cost in Chennai varies by clinic and by couple, because tests, medicine dose and lab techniques differ. At Jananam Fertility Centre, Neelankarai, you get your own written package price after the first consultation. Ask any clinic what its price leaves out.

Is medication included in the IVF package at Jananam?

Medication is charged separately, because each couple needs a different dose. It depends on your hormone levels and response, which is why it is set for you and not fixed in advance, and your written package states it.

Does Jananam offer EMI for IVF?

Yes, EMI options are available. Our financial counsellor explains them before you commit, so you know the monthly amount before treatment starts.

Why doesn't Jananam put one IVF price on the website?

Because one number would be wrong for most couples: the cost depends on your tests, your medication dose and which lab techniques you need. So our cost guide asks seven quick questions and shows the typical range for your situation, and your exact package comes in writing before you start.

Do I have to give my phone number to see the cost guide?

No. The cost guide asks no name, phone number or email, and your answers stay on the page. They only reach us if you choose to send them on WhatsApp.

Can international patients get the IVF price before travelling to Chennai?

Yes. We recommend a video consultation first, then we discuss your treatment options, and pricing follows from that. You have an estimate before you book travel, and it becomes a firm written package once any tests needed in Chennai are done.

Are there hidden charges at Jananam?

No. Everything included, and anything that could cost extra, is explained before your treatment starts and listed in your written package. If something changes during treatment, you are told why and what it costs before it is done.

Off the Record

Not the question you had?

The questions people don't ask with their partner sitting beside them, answered by Dr Vani Sundarapandian.

under the table, so he can't see

  1. He won't even come in for a test. How do I ask without breaking him?Dr Vani answered · watch ↗
  2. What if I can't perform on the day?Dr Vani answered · watch ↗
  3. Is it his “only on weekends” drinking? I can't say it to his face.Answered next · watch ↗

Ask the price question first.

Message us about cost before anything else. Janvi, Jananam's companion for fertility treatment, replies straight away.