Get Covered for Surrogacy with Surrosafe Health Insurance
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.
Who is Eligible to Buy Surrosafe Health Insurance?
Read below, the eligibility criteria, minimum and maximum age limit of the proposer and the insured, policy tenure, etc:
Age of the proposer
For Surrogacy cover
Intending couple: Should be married and aged between 23 - 50 years (female) and 26 - 55 years (male).
Intending women: An Indian resident, a widow or a divorcee aged between 35 - 45 years.
For Oocyte Donor
Intending oocyte donors should be aged up to and not more than 45 years.
Age of the insured (surrogate)
The surrogate insured's age should be between 25 - 35 years.
Policy tenure:
Surrogacy cover - 3 years
Oocyte donor cover - 1 year
To know more details of the plan, read below the brochure of Royal Sundaram Surrosafe Health Insurance:
Read more specifications in the brochure.
Why Surrogate Mothers Need 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
Inclusions (what's covered) of Surrosafe Health Insurance
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.
Exclusions (what's not covered) of Surrosafe Health Insurance
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
To Sum It Up
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 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
High Sum Insured
Affordable Premiums
Tax Benefit
Lifeline Supreme (Pros)
5000 + Network Hospitals
Emergency Domestic Evacuation
Health Checkup
Can Refresh SI Once
Mobility Devices Cover
Lifeline Supreme(Cons)
No Gender Treatments
No New Born Baby Cover
No Maternity Cover
No Vaccination Cover
No Obesity/Weight Cover
Lifeline Supreme(Other Benefits)
Health And Wellness Benefits
Bariatric Surgery
App-Based Ambulance Cover
Second Opinion
20% No Claim Bonus
Lifeline Supreme (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5L to 1 Cr
Waiting Period - 30 Days
Royal Sundaram's Lifeline Elite
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
Worldwide Coverage
Affordable Premiums
Tax Benefit
Lifeline Elite (Pros)
No Room Rent Capping
Maternity Cover
Health Checkup
Global Coverage
Worldwide Emergency Evacuation
Lifeline Elite(Cons)
No Gender Treatments
No Cosmetic Surgery Cover
No War Injury Cover
No Vaccination Cover
No Obesity/Weight Cover
Lifeline Elite(Other Benefits)
Health And Wellness Benefits
OPD Treatment
Elite Plus Benefit
Second Opinion
20% No Claim Bonus
Lifeline Elite (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 25L to 1.5 Cr
Waiting Period - 30 Days
Royal Sundaram Arogya Sanjeevani
Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.
Unique Features
Cataract Cover
Hernia Cover
Pre Existing Disease Cover
Arogya Sanjeevani (Pros)
Cataract Treatment
Pre Hospitalization
Post Hospitalization
Modern Treatments
Cumulative Bonus
Arogya Sanjeevani(Cons)
No Gender Treatments
No Global Coverage
No Maternity Cover
No Cosmetic Cover
No Obesity/Weight Cover
Arogya Sanjeevani(Other Benefits)
Dental Cover
Day Care Treatment Cover
Ambulance Cover
Parents-in-law cover
5% No Claim Bonus
Arogya Sanjeevani (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 10 Lakh
Waiting Period - 30 Days
Royal Sundaram Advanced Top-Up
A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.
Unique Features
All-Day Treatment Cover
Life Protect Benefit
Inpatient Hospitalization
Royal Sundaram Advanced Top-Up (Pros)
Modern Treatments
Pre Hospitalization Cover
Post Hospitalization Cover
Inpatient Care
Domiciliary Hospitalisation
Royal Sundaram Advanced Top-Up(Cons)
No Infertility Treatments
No Adventure Sports Cover
No Dietary Supplements Cover
No Cosmetic Cover
No Obesity/Weight Cover
Royal Sundaram Advanced Top-Up(Other Benefits)
Dental Cover
Home Care Treatment Cover
Ambulance Cover
AYUSH Cover
Organ Donor Benefit
Royal Sundaram Advanced Top-Up (Eligibility Criteria)
A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.
Unique Features
Dialysis Cover
Maternity Benefit
AYUSH Treatment Cover
Family Plus (Pros)
Renewal Benefit
Emergency Domestic Evacuation
20 % No Claim Bonus
Joint Replacement Cover
Cataract Expenses 8% Of SI
Family Plus(Cons)
No Alcoholism cover
No War Injury Cover
No Global Coverage
No Cosmetic Cover
No Gender Treatment Cover
Family Plus(Other Benefits)
Chemotherapy 10 % of SI
Day Care Coverage
Ambulance Cover
Room Rent up to 2% SI
ICU Charges up to 4% SI
Family Plus (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 15 L
Waiting Period - 30 Days
Royal Sundaram Divyang Plus
A plan that covers people with disabilities and affected by HIV/AIDS.
Unique Features
Mental illness cover
Affordable premiums
Cataract cover
Divyang Plus (Pros)
Pre & post hospitalization cover
Flexible premiums
Ayush treatment
Pre-existing disabilities cover
Pre existing diseases cover
Divyang Plus(Cons)
Not a family floater plan
WP on pre-existing disabilities
Low sum insured
No air ambulance
Divyang Plus(Other Benefits)
Ayush up to 50% of sum insured
60 days post hospitalization
Ground ambulance cover
40K per eye allotted for cataract
4 premium payment options
Divyang Plus (Eligibility Criteria)
Entry Age - 18 Years
Max Entry age: NA
Sum insured: 4 - 5 lakhs
Waiting period: 24 & 48 months
Royal Sundaram Surrosafe Health Plan: FAQs
1. Can a health insurance plan cover surrogacy?
Yes, Royal Sundaram Surrosafe health insurance includes pre and postpartum phases of surrogacy.
2. Who can buy the Surrosafe health insurance plan?
The expecting couple or a woman can buy this policy for the surrogate mother.
3. What is the general policy tenure of surrogacy health insurance in India?
The surrogate mother can avail of the medical care cover up to 36 months.
4. What is the ART Act of India?
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.
5. In how many instalments can I buy Surrosafe health insurance?
Surrosafe health insurance plan is a single premium payment plan and you can submit all the premiums at one time.
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.
Do you have any thoughts you’d like to share?