Royal Sundaram Surrosafe Plan

Overview

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.

Who is Eligible to Buy Surrosafe Health Insurance?

Below are the eligibility criteria, including minimum and maximum age limits for the proposer and insured, and policy tenure:

Age of the Proposer

For Surrogacy Cover

• Intending couple: Must be married and aged between 23 - 50 years (female) and 26 - 55 years (male).
• Intending women: An Indian resident, widow, or divorcee aged between 35 - 45 years.

For Oocyte Donor

Intending oocyte donors should be aged up to 45 years.

Age of the Insured (Surrogate)

The surrogate's age should be between 25 - 35 years.

Policy Tenure

• Surrogacy cover - 3 years
• Oocyte donor cover - 1 year

For more details, please refer to the Royal Sundaram Surrosafe Health Insurance brochure.

Why Surrogate Mothers Need Health Insurance?

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:

Exclusions

• Hospitalization due to war, riot, strike, or nuclear weapons
• Intentional self-injury
• Investigation and Evaluation
• Unlawful Activity or Breach of Law
• Gender change treatments
• Obesity or weight control treatments