Why do you need surrogate insurance?

In India, Surrogacy is regulated under the Surrogacy Regulation Act 2021. According to Section 50 of the Act, intending couples or women are required to purchase general health insurance coverage for the Surrogate mother for a period of 36 months. The insurance must be provided by an insurance company or agent that is recognized by the Insurance Regulatory and Development Authority (IRDAI), established under the IRDAI Act, 41 of 1999. The coverage must be sufficient to cover all expenses related to pregnancy complications, as well as post-partum delivery complications.

Therefore, the regulation mentioned above mandates that clinics must have both health and life insurance coverage for surrogate donors.

Is there a health insurance option available in India that covers surrogate mother?

Safetree, a brand of A2V Insurance Brokers Private Limited, has created a specialized health insurance product specifically for surrogate mother donors. The product is underwritten by an insurance company that is registered with the Insurance Regulatory and Development Authority of India (IRDAI).

What does it cover?

• It covers the hospitalization cost incurred by surrogate mother donors due to any complications arising due to surrogacy and includes following expenses
• In-patient Treatment
• Pre & Post Hospitalization
• Day Care Procedures
• Room Rent and ICU
• Emergency Ambulance