Network hospitals
10000+
Incurred claim ratio
83.36%
Sum insured
Up to 1.5 CR
No. of Plans
10
Solvency Ratio
2.1
Pan India Presence
158
Network hospitals
10000+
Incurred claim ratio
83.36%
Sum insured
Up to 1.5 CR
No. of Plans
10
Solvency Ratio
2.1
Pan India Presence
158
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.
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 below 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 parent's 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 |
This plan provides coverage for pregnancy conceived by the surrogate mother. However, there are more inclusions of this plan, read further to know more:
In-patient hospitalization cover
Up to 1% of the sum insured cover for room rent
Pre-hospitalization (30 days) and post-hospitalization (60 days) cover
Daycare procedures covered
Ambulance charges covered up to INR 1000 per hospitalization
Modern treatment covers up to 50% of the sum insured
SI options for surrogate mother up to INR 5 Lakhs and oocyte donor cover up to INR 2 Lakhs
Others, as per the specification's of your policy document/wording.
Here are the standard exclusions of the Royal Sundaram Surrosafe health insurance plan:
Rest, cure, rehabilitation and respite care
Investigation & Evaluation
Unlawful Activity/Breach of Law
Health complication's caused due to drug abuse/alcohol consumption
Obesity/ weight control
Change of gender treatments
Cosmetic or plastic surgery
Hazardous or adventure sports, etc
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.com at 1800 4200 269.
There are two types of plan options available within the health insurance plan category offered by the Royal Sundaram Health Insurance company. These two options are:
This is a plan that covers basic hospitalization and many health and wellness benefits.
Unique Features
This plan is the enhanced lifeline health insurance that offers a high sum insured of 1 crore. The plan offers hospitalization, domestic evacuation and additional benefits.
Unique Features
This plan is the foremost version of Lifeline health insurance, it offers a high sum insured of 1.5 cr. The plan provides worldwide coverage and Elite Plus benefits.
Unique Features
Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.
Unique Features
A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.
Unique Features
A plan that protects against accidental death or disability, and includes a 50% No-Claim Bonus. The plan has flexible premium payment terms.
Unique Features
A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.
Unique Features
A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.
Unique Features
A plan that covers people with disabilities and affected by HIV/AIDS.
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.
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Akhilesh Yadav
Ahmedabad
October 20, 2021
One of the best health care companies with the best team. They help you as their own brother and sister.
Tania
Hyderabad
October 19, 2021
good decsion approaching this company...they are very knowlegeable with their suggestions! I am thnkful!
Pushpak
Delhi
October 12, 2021
Got a plan from the policyx aggregator ...must say i m impressed with the professional manner with which my queries are addressed! good Job policyx!
Raj Choudhary
Dehradun
October 8, 2021
I had a detailed discussion with the Royal Sundaram Health team. They made sure that all my queries are resolved. I personally thank them for the insurance I bought from them
Lalit Koul
Surat
October 5, 2021
Thank you team for fast claim settlement and continuous support. Keep up this customer centric approach.
Reyansh Chakravarty
Chandigarh
August 30, 2021
good service at policyx. My friend recommended me to buy from here and im definitly happy with all the help and guidance
Yogita Mehta
Mumbai
August 10, 2021
It has been an absolute pleasure associtaing with policyx ove health insurance. The customer service is at par and truly makes an effort to make the whole process very easy
Kartik Sharma
Bengaluru
April 30, 2021
Big thumbs up to royalsundaram for offering good customer service and helping me in time of need. I recommend all my friends and family to buy insurance from Royalsunadram company.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality 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.
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