The Surrogacy (Regulation) Act, 2021 requires that a surrogate be provided with insurance cover for a period specified in the Rules, covering health complications arising from the surrogacy pregnancy and delivery. This is a legal requirement, not an optional benefit, and is separate from any routine health insurance the surrogate may already hold. The exact duration and scope of cover required is set by the current Rules; commissioning couples and surrogates should confirm the specific requirement with their registered surrogacy clinic and check the National ART & Surrogacy Portal, and any policy dispute can be raised with IRDAI. This is general information about India's ART and surrogacy framework and is not personalised legal advice. India legal information last reviewed: 9 September 2026.
Also known as: surrogacy insurance, surrogate health insurance
Related India guides
Sources
- Surrogacy (Regulation) Act, 2021, with the Surrogacy (Regulation) Rules and subsequent amendments and notifications (indiacode.nic.in; artsurrogacy.gov.in)
- National ART & Surrogacy Portal, Department of Health Research (artsurrogacy.gov.in)
Last reviewed: 9 September 2026. Written by the Antega Editorial Team. General information only — always follow the advice of your own clinic, doctor or pharmacist.