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The government has implemented Surrogacy Act, 2012 and ART Act, 2021 in which it has asked couple undergoing surrogacy to buy health insurance for surrogate mothers.
In a circular, IRDAI said that such a policy would cover postpartum delivery complications for 36 months.
The rules says, “The intending woman or couple shall purchase a general health insurance coverage in favour of surrogate mother for a period of thirty six months from an insurance company or an agent recognized by the Insurance Regulatory and Development Authority established under the provisions of the Insurance
Regulatory and Development Authority Act, (41 of 1999) for an amount which is sufficient enough to cover all expenses for all complications arising out of pregnancy and also covering post- partum delivery complications.”
Further, in case of egg donation, such a couple will have to buy 1-year health policy for the donor. The coverage amount has to cover all expenses for all complications arising due to oocyte retrieval.
IRDAI has asked general insurers and health insurers to immediately launch these policies.