Royal Sundaram Health Insurance
This one-of-a-kind plan offers coverage for surrogacy in India. It cov ...Read More
A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.
The Surrogacy (Regulation) Act, 2021, by the Government of India, mandates that any couple seeking a surrogate mother must purchase 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 eggs to another couple or woman requiring fertility assistance, such as IVF).
This page details the benefits, inclusions, and exclusions of the Surrosafe health insurance plan.
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*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.
A quick honest summary — the strengths and the trade-offs.
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Below are the eligibility criteria, including minimum and maximum age limits for the proposer and insured, and policy tenure:
For Surrogacy cover
For Oocyte Donor
Intending oocyte donors should be aged up to 45 years.
The surrogate's age should be between 25 - 35 years.
For more details, please refer to the Royal Sundaram Surrosafe Health Insurance brochure.
Conceiving a child naturally can be challenging, and the journey of a surrogate mother involves unique considerations. Surrosafe health insurance provides essential support. Here's why it's crucial for surrogate mothers:
| Why it's needed? | How can it help? |
|---|---|
| Prenatal care | Covers regular check-ups, doctor's consultations, ultrasounds, and medical screenings. |
| Essential medical expenses | Covers hospitalization, delivery, pre and post-natal care, and postpartum expenses related to pregnancy and childbirth. |
| Pregnancy complications | Covers costs for medication, treatment, and interventions in case of complicated pregnancy or emergencies. |
| Legal assistance with surrogacy | Mandated by the Government of India, Surrosafe provides essential medical support throughout the surrogacy period. |
| Financial protection for the parent-to-be | Protects intended parents from the financial burden of high medical bills. |
| Secures peace of mind | Provides peace of mind for both the surrogate mother and intended parents by mitigating financial and medical concerns. |
What the plan pays for, and what it doesn't.
Eligibility criteria pulled straight from the policy wording.
The 5 most-asked questions about Royal Sundaram Surrosafe Plan, answered.
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