Why do you need Surrogate Mother life Insurance?

The Ministry of Health & Family Welfare has made it mandatory for ART clinics to have an insurance coverage in place for Surrogate Mothers. Section 50 of the Surrogacy (Regulation) Act, 2021 (47 of 2021) states that clinics are required to provide insurance coverage, in such amounts and in such manner as may be prescribed, for a period of 36 months in favour of the surrogate mother. This coverage must include post-partum delivery complications and must be provided by an insurance company or agent that is recognized by the Insurance Regulatory and Development Authority of India (IRDAI) established under the IRDAI Act, 1999.

According to the Surrogacy Regulation Act 2021, 'Insurance" means an arrangement by which a company, individual or intending couple undertake to provide a guarantee of compensation for medical expenses, health issues, specified loss, damage, illness or death of surrogate mother and such other prescribed expenses incurred on such surrogate mother during the process of surrogacy.

Therefore, the regulation mentioned above mandates that clinics must have both health and life insurance coverage for surrogate mother.

Is there any life insurance in India that covers surrogate mothers?

Safetree, a brand of A2V Insurance Brokers Private Limited, has created a specialized life & health insurance product specifically for surrogate mother donors. These products are underwritten by an insurance company which are registered with the Insurance Regulatory and Development Authority of India (IRDAI).

What does it cover?

In case of death of the surrogate mother during the period of the policy, the sum assured will be paid to the nominee of the surrogate mother.