Surrogacy: Bring surrogacy under insurance cover: Regulator

MUMBAI: The Insurance Regulatory and Development Authority of India (IRDAI) has issued a directive to all insurance companies to cover the cost of surrogacy under their health insurance policies. The move is expected to provide relief to those who opt for surrogacy as a means of having children.
The directive issued by the IRDAI states that all health insurance policies must cover the cost of “treatment pertaining to infertility, including surrogacy”. This means that health insurance policies will now cover medical expenses related to surrogacy, including the cost of the surrogate mother’s medical treatment, delivery, and postnatal care.
“It is important for insurers to recognize the increasing demand for surrogacy and fertility treatments. The recent circular is a positive step,” said Amit Goel, director and principal officer Raghnall Insurance Brokers. He added that his firm would aim to ensure that all parties involved in the surrogacy process are protected from any unforeseen medical complications that may arise during the pregnancy and post-partum period.
Surrogacy is a medical procedure where a woman agrees to carry a pregnancy for another person or couple who cannot have a child on their own. The procedure has gained popularity in recent years as an increasing number of couples face fertility issues. However, surrogacy can be an expensive process, and the cost of medical treatment can be a deterrent for many couples.
The IRDAI’s move to include surrogacy under health insurance policies is expected to make the process more affordable and accessible to parents looking to have children through this route.

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