Official wording — reproduced verbatim
What the standard text says
Expenses related to Birth Control, sterility and infertility. This includes:
(i) Any type of contraception, sterilization
(ii) Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
(iii) Gestational Surrogacy
(iv) Reversal of sterilization
Source: IRDAI, Guidelines on Standardization of Exclusions in Health Insurance Contracts, page 9. Open the official PDF ↗
In plain English — our reading
What that means on the page
This exclusion covers birth control, sterilisation and its reversal, infertility treatment, assisted reproduction, and gestational surrogacy.
This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.