Financial Planning and Insurance Aspects in Surrogacy Programme

Financial Planning and Insurance Aspects in Surrogacy Programme

The financial planning for surrogacy and IVF treatment, are covered under different clauses by Insurance provider and IRDA, for Indian married couples with infertility issues.

  • There are no definite guidelines of IRDA, with Insurance and Health Insurance companies, to provide health insurance coverage, for both the surrogate mother and the child for surrogacy treatment in Indian clinic.
  • The insurance on infertility treatment involving IVF steps is now offered in Indian insurance market after, Jan 2014. The coverage includes insurance coverage for infertility treatment along with maternity.
  • When an individual or couple opts for using traditional surrogacy, there are some insurers that will cover the expenses that are associated with the artificial insemination procedure with the surrogate using her own eggs.
  • In most cases, insurance companies do not provide coverage on treatment, associated with the transfer of the embryo, in gestational surrogacy or commercial surrogate.
  • The life insurer service provider is bound by contract, to cover the cost of the surrogate pregnancy. The coverage rate in such treatment is done at the same rate of coverage, paid to the policy holder for traditional expectant biological mother or natural birth. The treatment aspects covered includes hospitalization charges, for indoor patients and medical costs on diagnostic testing, ultra-sound examination and medical tests.
  • The international surrogacy is covered by different insurance laws and service providers, in countries of their origin, for most International Foreign married couples.
  • The ART Bill to be introduced in parliament is to have clauses to include Health Insurance provisions for Intended Parents.

If you have any query related to this, Please let us know by submitting your queries in the section mentioned below or write us at [email protected]

Dr Rita Bakshi

Dr. Rita Bakshi is a well renowned gynaecologsts and obstetrician with a rich experience of more than 20 years in the field of Assisted Reproductive technology (ART). Dr. Rita has extensive experience in all fields of assisted conception, with a special interest in IVF and Egg Donor Surrogacy. She’s also the founder of ADIVA group of Hospitals. During the past two decades of service, Dr. Rita Bakshi has brought happiness to thousands of couples and performed over 6000 caesarean sections, 3000 Hysterectomies, 1000 cases of IVF annually with a success rate of over 45%. She takes your dreams seriously and focuses on the long term and best interests of the child, the surrogate and the intended parent(s).