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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 enacted to prohibit commercial surrogacy and the exploitation of surrogate mothers and children born through surrogacy. In response, Royal Sundaram Health Insurance has launched the Surrosafe health plan for surrogate mothers and oocyte donors (women who donate their eggs to another couple or woman needing 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.
| PLAN DETAILS |
Royal Sundaram Surrosafe Plan |
Health Premier Plan |
| Product Type | Individual | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 22600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | 23 to 35 Years | Minimum 91 days, Maximum 25 years |
| Plan Premium Entry Age and S/A | 1500 | 9950 |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | - | Individual & family floater cover |
| Plan Sample Premium | N/A | 4,280 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year, 3 Years | 1, 2,3 Years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 96.17 | 96.4 |
| Solvency Ratio | 2.20 | 5.73 |
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