Company: NIVFW
Filing Date: 2025-10-31
Form Type: 424B3
Source: 0001213900-25-104469
Chunk: 70

Company: NewGenIvf Group Ltd
Filing Date: 2025-10-31
Form: 424B3
Chunk 70
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 will be able to obtain and/or maintain medical liability insurance on acceptable terms
or without substantial premium increases or at all in the future.

In addition, as NewGenIvf’s
business expands, the cost for each medical facility in its network and NewGenIvf to maintain an adequate level of insurance may become
increasingly high. NewGenIvf cannot ensure that the medical facilities in its network will be able to locate or purchase appropriate
insurance to cover the expanding operations in time, on commercially reasonable terms or at all. Any significant uninsured loss could
have material and adverse effects on the financial condition and results of operations of the medical facilities in NewGenIvf’s
network, and thus may affect its business, results of operations and financial condition.

Moreover, NewGenIvf does
not currently maintain professional malpractice liability insurance for its physicians and nurses. As a result, NewGenIvf may be subject
to medical disputes and claims arising under relevant laws from time to time, which could cause substantial damage to NewGenIvf if not
covered by professional malpractice liability insurance. Any dispute with clients, or any legal proceeding involving the physicians of
the medical facilities or medical professionals, regardless of its merit or eventual outcome, could result in significant legal costs
and financial and/or reputational damages to the medical facilities and NewGenIvf and materially and adversely affect the business, financial
condition and results of operations of the medical facilities in NewGenIvf’s network, and further affect its business, financial
condition, results of operations and prospects.

NewGenIvf may not be successful in adapting to technological developments, which may affect its business and results of operations.

It is possible that new technologies
could be developed or scientific advances made by NewGenIvf’s competitors, or elsewhere and licensed to NewGenIvf’s competitors,
which cannot be replicated by NewGenIvf without significant capital expenditure or at all, or that replace or reduce the requirement
for assisted reproductive services, ultrasound or specialized diagnostics. The consequences for NewGenIvf of the development of new technologies
could include lower or loss of revenues, loss of market position and reduced prospects of NewGenIvf.

If its computer systems, or those of its providers, specialty pharmacies or other downstream vendors lag, fail or suffer security breaches, NewGenIvf may incur a material disruption of its services, which could materially impact its business and the results of operations.

NewGenIvf’s businesses
in Thailand, Cambodia and Kyrgyzstan are