Royal Sundaram Surrosafe Health Insurance Plan
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Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Surrosafe Plan

This unique plan offers coverage for surrogacy in India. It covers all ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

This unique plan offers coverage for surrogacy in India. It covers all healthcare-related expenses of the surrogate mother or oocyte donor, including pre and post-hospitalization, daycare, ambulance charges, etc.

Why Do We Recommend This?
  • Cover for Surrogacy
  • Oocyte Donor Cover
  • Daycare Procedures

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
23 to 35 Years
Plan type
Individual
Sum insured options
₹2 L, ₹5 L
Waiting period
N/A
Renewability
N/A
Policy term
1 Year, 3 Years

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Covers surrogate mothers
  • Covers oocyte donors
  • Ambulance cover

Cons

  • Illegal activities
  • adventure sports
  • self-harm

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years; Max entry age: 35 Years
  • Sum Insured: Up to 5 L

Frequently Asked Questions

The 5 most-asked questions about Royal Sundaram Surrosafe Plan, answered.

Yes, Royal Sundaram Surrosafe health insurance includes pre and postpartum phases of surrogacy.
The expecting couple or a woman can buy this policy for the surrogate mother.
The surrogate mother can avail of the medical care cover up to 36 months.
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.
Surrosafe health insurance plan is a single premium payment plan and you can submit all the premiums at one time.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 17 Oct 2024

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