Royal Sundaram Surrosafe Plan
  • Cover for Surrogacy
  • Oocyte Donor Cover
  • Daycare Procedures
Royal Sundaram Surrosafe Plan
Network hospitals

Network hospitals

10000+

Incurred claim ratio

Incurred claim ratio

96.17%

Sum insured

Sum insured

Up to 1.5 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.1

Pan India Presence

Pan India Presence

160+

Customized Health Insurance Plan for you.

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Age of Eldest Member

Royal Sundaram Surrosafe Plan

The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, they need to buy a three-year health insurance policy for her.

This regulation was passed to prohibit commercial surrogacy and exploitation of surrogate mothers and children born through surrogacy. Keeping this in mind, Royal Sundaram Health Insurance Company has launched the tailor-made Surrosafe health plan for surrogate mothers and oocyte donors (a woman who donates her egg's to another couple/woman who needs 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.

Royal Sundaram Surrosafe Plan Specifications

To understand Royal Sundaram Surrosafe Plan Insurance in detail, take a look at the below table:

Entry Age

23 to 35 Years

Policy Type

Individual

Sum Insured

2 L | 5 L

Initial Waiting Period*

N/A Days

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.

Read more specifications in the brochure.

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Choose Your Royal Sundaram Surrosafe Plan

With wide coverage options available, Royal Sundaram Surrosafe Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Not Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Not Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Covered

Sub-limits

Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Who is Eligible to Buy Surrosafe Health Insurance?

Read below, the eligibility criteria, minimum and maximum age limit of the proposer and the insured, policy tenure, etc:

Age of the proposer

For Surrogacy cover

  • Intending couple: Should be married and aged between 23 - 50 years (female) and 26 - 55 years (male).
  • Intending women: An Indian resident, a widow, or a divorcee aged between 35 - 45 years.

For Oocyte Donor

Intending oocyte donors should be aged up to and not more than 45 years.

Age of the insured (surrogate)

The surrogate insured's age should be between 25 - 35 years.

Policy tenure:

  • Surrogacy cover - 3 years
  • Oocyte donor cover - 1 year

To know more details of the plan, read the brochure of Royal Sundaram Surrosafe Health Insurance

Why Surrogate Mothers Need Health Insurance?

Conceiving a child naturally is hard, now imagine the struggle of a surrogate mother. Fortunately, now we have health insurance for surrogate mothers that provides health assistance with special delivery. Here's why you need Surrosafe health insurance for surrogate mothers:

Why it's needed? How can it help?
Prenatal care Regular check-ups, doctor's consultations, ultrasounds, medical screenings, and so on are the healthcare needs of a surrogate mother
Essential medical expenses Hospitalization costs, postpartum care, delivery, pre and post-natal care, pregnancy, and childbirth, all need to be taken care of
Pregnancy complications In the condition of a complicated pregnancy or emergency at times, the insurer will cover the costs of medication, treatment, and interventions
Legal assistance with surrogacy The government of India has made it compulsory to buy health insurance for surrogates. Surrosafe offers adequate medical support during the surrogacy period
Financial protection for the parent-to-be Intended parents can hold back their hope without worrying about skyrocketing medical bills and the burden of taking care of everything on their own
Secures peace of mind The surrogate mother and intended parent/s, both could lead their way to a joyous ride in their lives ahead, without worrying about financial or medical complexes soon

Royal Sundaram Surrosafe Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Royal Sundaram Surrosafe Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Investigation & Evaluation

Unlawful Activity/Breach of Law

Change of gender treatments

Obesity/ weight control

To Sum It Up

Royal Sundaram Surrosafe health plan is specially curated for those who could be the light in someone else's dark. All the benefit of this plan is delivered to the surrogate mother or oocyte donor which covers any kind of complications occurring due to complications in pregnancy. Therefore, they don't need to worry about compromising their health while delivering the little bundle of joy.

Have you any further question's about Surrosafe health insurance? If yes, reach out to the experts of PolicyX at 1800 4200 269.

Explore other Royal Sundaram Health Insurance

To cater to the different medical needs of an individual & their family, Royal Sundaram Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Royal Sundaram Health Insurance plans explore more:

Individual and Family Health Insurance

Royal Sundaram Lifeline Supreme

Royal Sundaram Lifeline Supreme

Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan as it offers holistic coverage with a wide range of benefits such...

Unique Features

  • Up to 1 Crore SI
  • 4X Mobility Devices Cover
  • Health and Wellness Cover

Royal Sundaram Lifeline Supreme (Pros)

Royal Sundaram Lifeline Supreme
  • Re-load of sum insured
  • Health check-up
  • App-based cabs

Royal Sundaram Lifeline Supreme (Cons)

Royal Sundaram Lifeline Supreme
  • Illegal activities
  • Alcoholism
  • Self-inflicted harm

Royal Sundaram Lifeline Supreme (Other Benefits)

Royal Sundaram Lifeline Supreme
  • Annual Health Check-up
  • Emergency Evacuation
  • Second Opinion

Royal Sundaram Lifeline Supreme (Eligibility Criteria)

Royal Sundaram Lifeline Supreme
  • Min Entry Age:18 Years
  • Max Entry Age: No limit
  • Intiial Waiting Period: 30 Days
  • Sum Insured: 1 Crore

Accident Health Insurance

Royal Sundaram Health Personal Accident Policy

Royal Sundaram Health Personal Accident Policy

Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your ch...

Unique Features

  • Global Coverage Available
  • 5 Crore SI
  • Education Grant

Royal Sundaram Health Personal Accident Policy (Pros)

Royal Sundaram Health Personal Accident Policy
  • Higher sum insured available
  • Accidental death cover
  • Disability cover

Royal Sundaram Health Personal Accident Policy (Cons)

Royal Sundaram Health Personal Accident Policy
  • Illegal activities
  • Alcoholism
  • Adventure sports

Royal Sundaram Health Personal Accident Policy (Other Benefits)

Royal Sundaram Health Personal Accident Policy
  • Worldwide coverage
  • Education grant
  • Cumulative bonus

Royal Sundaram Health Personal Accident Policy (Eligibility Criteria)

Royal Sundaram Health Personal Accident Policy
  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Sum Insured: Up to 1.5 Crores

Individual and Family Health Insurance

Royal Sundaram Multiplier Health Plan

Royal Sundaram Multiplier Health Plan

Royal Sundaram Multiplier Health Insurance is a one of its kind plan that covers up to 11 times the sum insured in case of emergency health complicati...

Unique Features

  • 11X Multiplier Benefit
  • 4X Multiplier Benefit
  • Emergency Domestic Evacuation

Royal Sundaram Multiplier Health Plan (Pros)

Royal Sundaram Multiplier Health Plan
  • No claim bonus
  • Modern Treatments
  • AYUSH Treatment

Royal Sundaram Multiplier Health Plan (Cons)

Royal Sundaram Multiplier Health Plan
  • Illegal activities
  • alcoholism
  • obesity and weight management

Royal Sundaram Multiplier Health Plan (Other Benefits)

Royal Sundaram Multiplier Health Plan
  • Flexi Reload Benefit
  • Health and Wellness Benefit
  • Ambulance Cover

Royal Sundaram Multiplier Health Plan (Eligibility Criteria)

Royal Sundaram Multiplier Health Plan
  • Min Entry Age: 18 Years
  • Max Entry Age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Individual

Royal Sundaram Surrosafe Plan

Royal Sundaram Surrosafe Plan

The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, th...

Unique Features

  • Cover for Surrogacy
  • Oocyte Donor Cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Pros)

Royal Sundaram Surrosafe Plan
  • Covers surrogate mothers
  • Covers oocyte donors
  • Ambulance cover

Royal Sundaram Surrosafe Plan (Cons)

Royal Sundaram Surrosafe Plan
  • Illegal activites
  • adventure sports
  • self-harm

Royal Sundaram Surrosafe Plan (Other Benefits)

Royal Sundaram Surrosafe Plan
  • Inpatient hospitalization
  • Room rent cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Eligibility Criteria)

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

Individual and Family Health Insurance

Royal Sundaram Family Plus Plan

Royal Sundaram Family Plus Plan

Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family. It's obv...

Unique Features

  • Emergency domestic evacuation
  • Maternity cover benefits
  • Health & wellness benefits

Royal Sundaram Family Plus Plan (Pros)

Royal Sundaram Family Plus Plan
  • Ambulance Cover
  • Re-load of Sum Insured
  • Second Opinion for 11 specied Critical iIIness

Royal Sundaram Family Plus Plan (Cons)

Royal Sundaram Family Plus Plan
  • Investigation & Evaluation
  • Obesity/ Weight Control
  • Alcoholism

Royal Sundaram Family Plus Plan (Other Benefits)

Royal Sundaram Family Plus Plan
  • Maternity cover
  • Health and wellness
  • Nutritional allowance

Royal Sundaram Family Plus Plan (Eligibility Criteria)

Royal Sundaram Family Plus Plan
  • Min entry age: 18 Years
  • Max entry age: No upper limit
  • Sum Insured: Up to 50 L
  • Initial waiting period: 30 Days

Individual and Family Health Insurance

Lifeline Health Insurance Plan

Lifeline Health Insurance Plan

Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...

Unique Features

  • Plan benefits
  • Types of plans offered
  • Plan features & buying process

Lifeline Health Insurance Plan (Pros)

Lifeline Health Insurance Plan
  • Domiciliary Hospitalization
  • Worldwide Emergency Hospitalization
  • International Treatment Abroad

Lifeline Health Insurance Plan (Cons)

Lifeline Health Insurance Plan
  • Illegal Activities
  • Adventure Sports
  • Alcoholism

Lifeline Health Insurance Plan (Other Benefits)

Lifeline Health Insurance Plan
  • Preventive health care and wellness
  • Reload of Sum Insured
  • OPD Cover

Lifeline Health Insurance Plan (Eligibility Criteria)

Lifeline Health Insurance Plan
  • Min Entry Age 18 Years
  • Max Entry Age No limit
  • Initial Waiting Period 30 Days
  • Sum Insured Up to 1.5 Cr

Royal Sundaram Surrosafe Health Plan: FAQs

1. Can a health insurance plan cover surrogacy?

Yes, Royal Sundaram Surrosafe health insurance includes pre and postpartum phases of surrogacy.

2. Who can buy the Surrosafe health insurance plan?

The expecting couple or a woman can buy this policy for the surrogate mother.

3. What is the general policy tenure of surrogacy health insurance in India?

The surrogate mother can avail of the medical care cover up to 36 months.

4. What is the ART Act of India?

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.

5. In how many installments can I buy Surrosafe health insurance?

Surrosafe health insurance plan is a single premium payment plan and you can submit all the premiums at one time.

Explore Royal Sundaram Health Insurance

Customer Support of Royal Sundaram

Customer Support of Royal Sundaram

Royal Sundaram Health Renewal

Royal Sundaram Health Renewal

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Royal Sundaram Claim Settlement Ratio

Royal Sundaram Health Insurance Policy Download

Royal Sundaram Health Insurance Policy Download

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.

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