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Surrogacy Exclusions in Medical Insurance

Investigations into, treatment of and complications arising from surrogacy, whether you are acting as a surrogate or are the intended parent, is typically excluded from coverage by most medical insurance policies. Underwriters typically will not accept claims arising from surrogacy. Traditional surrogacy is a process where a woman is artificially inseminated with the father’s sperm and carries the baby to term, delivering it for the intended parents to raise. In this case, the traditional surrogate is the baby’s biological mother. Gestational surrogacy, on the other hand, involves the use of in vitro fertilization (IVF) to gather eggs from the mother or egg donor, fertilize them with sperm from the father or sperm donor, and place the embryo into the uterus of a gestational surrogate. The surrogate then carries the baby until birth, but they do not have any genetic ties to the child as it was not their egg that was used.

Surrogacy is a procedure in which a woman carries and gives birth to a child for another couple, typically due to the intended parents’ infertility or other medical conditions. It is considered a form of assisted reproductive technology and can be a viable option for couples who are unable to conceive a child naturally. However, it is important to note that most health insurance policies do not cover the costs associated with surrogacy, including those incurred by the surrogate mother and the intended parents. Additionally, children born to a surrogate mother are typically not covered under these policies.

This exclusion is in place due to the complex social, ethical, moral, and legal issues that can arise in surrogacy arrangements. These issues can also vary depending on the country or region, with some countries having stricter laws and regulations regarding surrogacy. For example, India has had a changing landscape in terms of surrogacy laws, with a bill passed in 2016 that restricted the option for many.

It is important for individuals considering surrogacy to understand the potential financial implications and to research their options for coverage. It would also be important for the society to work towards creating laws that protect the rights of all parties involved in surrogacy, including the surrogate mother, intended parents and the child born through surrogacy.