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Health insurance is considered very important in terms of future preparedness and investment and savings. Health insurance benefits are also increasing over time. Now with the new instructions of IRDAI, health insurance will be more beneficial for the people.
Both these acts have to be followed
According to a report in Business Today, the insurance regulator has directed insurance companies to provide coverage for surrogacy expenses to families who are suffering from infertility due to medical conditions. For this, the regulator has asked all insurance companies to comply with the Surrogacy Act, 2012 and the Assisted Reproductive Technology Act, 2021.
start implementation with immediate effect
IRDA has clearly asked insurance companies to start complying with both these laws with immediate effect and ensure that suitable products are available. Section 4 of the Surrogacy Act provides for insurance coverage for the expenses of surrogacy. The plan also covers the cost of treatment for post-delivery problems.
What does surrogacy law say
Rule 5 of the Surrogacy Regulation Act states that couples wishing to have a child through surrogacy must purchase general health insurance for the surrogate mother for 36 months. This insurance can be purchased from any insurance company or insurance agent approved by IRDA. The rule also states that the sum insured should be such that it is sufficient to cover any complications that may arise during pregnancy and childbirth.
These guidelines of IRDA are considered very good for surrogacy. This guide will explain the insurance terms related to surrogacy. On one hand, people who are not able to have children and want to adopt the method of surrogacy will be benefitted and facilitated. On the other hand, for surrogate mothers, there will be no health complications for a certain period of time even after the delivery.
