Home / Health / Surrogate Insurance Demand Soars 50% in India
Surrogate Insurance Demand Soars 50% in India
25 Mar
Summary
- Surrogate insurance demand grew nearly 50% in 2025.
- India's surrogacy sector is shifting to a regulated framework.
- Inadequate insurance poses risks to surrogate mothers.
In 2025, India witnessed a nearly 50% increase in demand for surrogate insurance, indicating the rapid growth and formalization of regulated surrogacy programs. SafeTree, a leading specialist, has provided coverage for over 1,800 surrogate mothers across 17 states, with Delhi NCR, Karnataka, and Maharashtra being key hubs.
The Indian surrogacy industry is transitioning from an unregulated market to a compliance-focused framework under the Surrogacy (Regulation) Act. This shift emphasizes ethical practices and financial protections for both surrogate mothers and intended parents.
Despite regulatory mandates for 36 months of health and life insurance, a critical gap exists with no defined minimum insured amount. Current policies often range between ₹2-5 lakh, which may be inadequate for complications like preeclampsia or gestational diabetes, with ICU care potentially exceeding ₹10-15 lakh.
Rising medical inflation has led to increased claim amounts. A recent case of acute liver failure with multi-organ complications resulted in hospitalization costs over ₹14 lakh, underscoring the need for higher coverage. Experts recommend a minimum of ₹10 lakh to safeguard surrogate mothers against unforeseen risks.
Official guidance from IRDAI and the National ART Board emphasizes the use of compliant, surrogacy-specific insurance policies. The 50% rise in demand reflects a growing commitment to structured financial preparedness and ethical accountability within India's evolving reproductive care landscape.
