Network hospitals
10000+
Incurred claim ratio
96.17%
Sum insured
Up to 1.5 Cr
No. of Plans
1
Solvency Ratio
2.1
Pan India Presence
160+
The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, they need to buy a three-year health insurance policy for her.
This regulation was passed to prohibit commercial surrogacy and exploitation of surrogate mothers and children born through surrogacy. Keeping this in mind, Royal Sundaram Health Insurance Company has launched the tailor-made Surrosafe health plan for surrogate mothers and oocyte donors (a woman who donates her egg's to another couple/woman who needs assistance with fertility or assisted reproduction, like IVF).
We've listed the benefits, inclusions and exclusions of the Surrosafe health insurance on this page, read further to know more about this plan.
To understand Royal Sundaram Surrosafe Plan Insurance in detail, take a look at the below table:
23 to 35 Years
Individual
2 L | 5 L
N/A Days
N/A
1 Year, 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Royal Sundaram Surrosafe Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Not Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Read below, the eligibility criteria, minimum and maximum age limit of the proposer and the insured, policy tenure, etc:
For Surrogacy cover
For Oocyte Donor
Intending oocyte donors should be aged up to and not more than 45 years.
The surrogate insured's age should be between 25 - 35 years.
To know more details of the plan, read the brochure of Royal Sundaram Surrosafe Health Insurance
Conceiving a child naturally is hard, now imagine the struggle of a surrogate mother. Fortunately, now we have health insurance for surrogate mothers that provides health assistance with special delivery. Here's why you need Surrosafe health insurance for surrogate mothers:
Why it's needed? | How can it help? |
---|---|
Prenatal care | Regular check-ups, doctor's consultations, ultrasounds, medical screenings, and so on are the healthcare needs of a surrogate mother |
Essential medical expenses | Hospitalization costs, postpartum care, delivery, pre and post-natal care, pregnancy, and childbirth, all need to be taken care of |
Pregnancy complications | In the condition of a complicated pregnancy or emergency at times, the insurer will cover the costs of medication, treatment, and interventions |
Legal assistance with surrogacy | The government of India has made it compulsory to buy health insurance for surrogates. Surrosafe offers adequate medical support during the surrogacy period |
Financial protection for the parent-to-be | Intended parents can hold back their hope without worrying about skyrocketing medical bills and the burden of taking care of everything on their own |
Secures peace of mind | The surrogate mother and intended parent/s, both could lead their way to a joyous ride in their lives ahead, without worrying about financial or medical complexes soon |
Permanent diseases or health conditions that are not included under the Royal Sundaram Surrosafe Plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
Investigation & Evaluation
Unlawful Activity/Breach of Law
Change of gender treatments
Obesity/ weight control
Royal Sundaram Surrosafe health plan is specially curated for those who could be the light in someone else's dark. All the benefit of this plan is delivered to the surrogate mother or oocyte donor which covers any kind of complications occurring due to complications in pregnancy. Therefore, they don't need to worry about compromising their health while delivering the little bundle of joy.
Have you any further question's about Surrosafe health insurance? If yes, reach out to the experts of PolicyX at 1800 4200 269.
To cater to the different medical needs of an individual & their family, Royal Sundaram Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Royal Sundaram Health Insurance plans explore more:
Individual and Family Health Insurance
Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan as it offers holistic coverage with a wide range of benefits such...
Unique Features
Accident Health Insurance
Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your ch...
Unique Features
Individual and Family Health Insurance
Royal Sundaram Multiplier Health Insurance is a one of its kind plan that covers up to 11 times the sum insured in case of emergency health complicati...
Unique Features
Individual
The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, th...
Unique Features
Individual and Family Health Insurance
Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family. It's obv...
Unique Features
Individual and Family Health Insurance
Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...
Unique Features
Yes, Royal Sundaram Surrosafe health insurance includes pre and postpartum phases of surrogacy.
The expecting couple or a woman can buy this policy for the surrogate mother.
The surrogate mother can avail of the medical care cover up to 36 months.
Assisted Reproductive Technology (ART) Act of 2021 in India encourages those couples to be parents even if they’re not in a condition to naturally conceive due to a medical complication.
Surrosafe health insurance plan is a single premium payment plan and you can submit all the premiums at one time.
See More Health Insurance Articles
See More Health Insurance Articles
4.4
Rated by 2628 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
You May Also Know About
Do you have any thoughts you’d like to share?