National Surrogacy Insurance Policy (NSIP) is the insurer's dedicated insurance product enabling intending parents to fulfil their legal obligation under the Surrogacy (Regulation) Act, 2021 — purchasing 36 months of insurance coverage for their surrogate mother, covering pregnancy-related expenses and post-partum delivery complications, from an IRDAI-recognised insurer, exactly as the law requires before a Certificate of Essentiality can be issued.
the insurer Health· NSIP· Launched March 2025· Surrogacy (Regulation) Act 2021 & Rules 2022· IRDAI Circular May 2023
National Surrogacy Insurance Policy (NSIP) is the insurer's product designed to satisfy a specific legal requirement: intending parents pursuing surrogacy in India must purchase health insurance for their surrogate mother, valid for 36 months, from an IRDAI-recognised insurer, before the surrogacy process can legally proceed. confirms NSIP's existence, with a product launch announcement dated 07/03/2025.
NSIP'son the insurer's own site is robots.txt-blocked from automated retrieval, and as a relatively recently launched product, no insurance aggregator or comparison site has yet published NSIP's specific sum insured tiers, premium rates, or plan variants. This page is built using two things in combination: (1) the binding legal framework that defines exactly what this category of insurance must do — the Surrogacy (Regulation) Act, 2021, the Surrogacy (Regulation) Rules, 2022, and IRDAI's May 2023 circular directing all insurers to comply — and (2) the insurer's own confirmed product positioning. Every legal/regulatory citation below is independently confirmed and binding on any IRDAI-recognised insurer's surrogacy product, including the insurer's. Only the insurer-specific numeric figures (exact sum insured amount, premium) are unconfirmed and flagged accordingly.
Please call Probitas at 022 4302 0000 for NSIP's exact sum insured, premium, and plan structure before finalising your surrogacy arrangement's legal documentation.
Unlike every other health insurance product, this isn't a discretionary purchase — it's a statutory precondition. Without this insurance in place, intending parents cannot legally obtain the Certificate of Essentiality required to proceed with surrogacy.
Statutory RequirementThe intending parent(s) purchase and pay for this policy, but the insured person is the surrogate mother — a structurally unusual arrangement compared to standard health insurance where the buyer and the insured are typically the same person or family.
Third-Party BeneficiaryThe law specifies exactly 36 months of coverage — not a renewable annual policy like most health products, but a single, fixed-duration term tied to the legal mandate itself.
Fixed by LawProof of this insurance is a required document for obtaining the Certificate of Essentiality from the District Medical Board/Magistrate's Court process — making this policy part of a formal legal paper trail, not just a financial protection product.
Court/Board DocumentationNSIP is one of the insurer's newest products, launched in response to IRDAI's 2023 directive requiring all insurers to offer compliant surrogacy insurance products.
New Product — Confirm SpecificsPer the governing law, the policy must be sufficient to cover all expenses for complications arising out of pregnancy and post-partum delivery complications — not a general health policy, but purpose-built for this specific risk window.
Legally Defined ScopeSurrogacy (Regulation) Act, 2021· Rules, 2022· IRDAI Circular, May 2023
This isn't insurance-company marketing language — it's binding law. Three separate legal instruments establish and reinforce this requirement.
States an insurance coverage of such amount and in such manner as may be prescribed in favour of the surrogate mother for a period of thirty-six months covering postpartum delivery complications from an insurance company or an agent recognised by the IRDAI.
Primary StatuteThe intending woman or couple shall purchase a general health insurance coverage in favour of the surrogate mother for a period of thirty-six months from an insurance company or an agent recognized by the IRDAI for an amount which is sufficient to cover all expenses for all complications arising out of pregnancy and also covering post-partum delivery complications.
Implementing RuleIRDAI directed all insurance companies in India to comply with the provisions of the Surrogacy (Regulation) Act, 2021 and the ART (Regulation) Act, 2021, and to offer suitable, compliant insurance products with immediate effect — the regulatory action that prompted insurers including the insurer to formally launch dedicated surrogacy insurance products.
Regulatory DirectiveThe Certificate of Essentiality — one of two certificates an intending couple must obtain before surrogacy can proceed — requires proof of this 36-month insurance coverage as one of its conditions, alongside a District Medical Board's infertility certification and a Magistrate's Court parentage/custody order.
Pre-Surrogacy RequirementWho This Policy Is For — from Legal Framework
This page focuses specifically on the insurance product. Surrogacy eligibility itself (intending couple's age, marriage duration, surrogate's eligibility, the donor gamete rules following the 2024 amendment, and the certification process) is governed by the Surrogacy (Regulation) Act, 2021 and its amendments, and is a separate legal matter best discussed with your surrogacy clinic and a qualified legal advisor alongside Probitas for the insurance component specifically.
How NSIP Fits Into the Surrogacy Legal Process
Before insurance can be purchased, the intending couple typically needs to have identified their surrogate (per current law, generally expected to be a close relative) and begun the process toward obtaining a District Medical Board's infertility certification.
The intending couple/woman purchases this 36-month insurance policy naming the surrogate mother as the insured person — satisfying Rule 5 of the Surrogacy (Regulation) Rules, 2022.
The insurance policy document/proof becomes one of the supporting documents submitted toward obtaining the Certificate of Essentiality, alongside the District Medical Board certification and the Magistrate's Court order on parentage/custody.
Once all conditions are satisfied, the Certificate of Essentiality is issued, and the registered surrogacy clinic can proceed with the medical procedure.
The 36-month coverage period protects the surrogate mother throughout pregnancy and for post-partum complications — coverage continues regardless of how the surrogacy procedure timeline unfolds, as mandated by Section 4(iii)(a)(III) of the Act.
Legally Defined Scope — from Rule 5, Surrogacy (Regulation) Rules, 2022
The law itself defines the minimum scope this insurance must satisfy — any compliant policy, including the insurer's NSIP, must be built around this legally defined coverage scope.
Per Rule 5, the coverage must be "sufficient to cover all expenses for all complications arising out of pregnancy" — a broad, legally defined standard rather than a fixed list of named conditions.
Rule 5, Surrogacy Rules 2022Explicitly named in both Section 4(iii)(a)(III) of the Act and Rule 5 of the Rules — coverage must extend to complications arising after delivery, not just during pregnancy itself.
Section 4(iii)(a)(III)The coverage period itself is fixed by law at 36 months — not a minimum suggestion, but the specific duration mandated for this insurance category.
Fixed Statutory TermThe law doesn't specify an exact rupee figure — instead it requires the sum insured be "sufficient" to cover the complications described, an adequacy-based standard rather than a fixed amount. the insurer's specific sum insured offering under NSIP should be confirmed directly to ensure it meets this adequacy bar for your circumstances.
Adequacy Standard, Not Fixed ₹Because the law sets an adequacy standard ("sufficient to cover all expenses") rather than a fixed rupee amount, different insurers' surrogacy products may set their specific sum insured at different levels, all aiming to satisfy this same legal standard. the insurer's exact sum insured figure under NSIP is not independently published by aggregator sources as of this page's research — please confirm the specific amount with Probitas at 022 4302 0000 to ensure it's adequate for your surrogate's circumstances and your specific clinic/state requirements.
What Comparable IRDAI-Recognised Surrogacy Insurance Products Typically Look Like
While NSIP's exact figures aren't independently published, here's the general context of how this insurance category is structured across IRDAI-recognised providers in the market, to help frame the conversation when you call Probitas.
| Aspect | How the Category Generally Works |
|---|---|
| Policy term | Fixed 36 months (set by law, consistent across all compliant insurers) |
| Insured person | The surrogate mother (named on the policy, even though the intending couple pays) |
| Sum insured basis | Set by each insurer to meet the "sufficient to cover" legal standard — varies by insurer's own product design |
| Scope | Pregnancy-related complications + post-partum delivery complications, as legally defined |
| Who pays the premium | The intending couple/woman (the surrogate does not pay — consistent with the altruistic surrogacy framework where she cannot bear costs) |
| Related but separate requirement | Oocyte donor insurance (12 months, under Section 22(1)(b) of the ART Act, 2021) is a related but legally distinct requirement, applicable if a donor egg is used — confirm with Probitas whether your arrangement needs this separately |
If your surrogacy arrangement involves a donor egg (oocyte) — including under the 2024 amendment permitting one donor gamete when medically certified necessary — a separate 12-month insurance requirement applies to the oocyte donor under Section 22(1)(b) of the ART (Regulation) Act, 2021, distinct from the surrogate mother's 36-month NSIP cover. Ask Probitas whether your specific arrangement requires both policies.
The Legal Documentation Chain — from Surrogacy (Regulation) Act, 2021
Surrogacy in India requires two separate certificates before the procedure can begin. This insurance policy is a documented condition within one of them.
Issued upon: (a) medical indication for surrogacy from a District Medical Board, (b) an order of parentage and custody from a Magistrate's Court, and (c) insurance coverage for the surrogate mother — this is where NSIP becomes a required document.
Insurance Required HereIssued upon verification of the intending couple's own eligibility — citizenship, marriage duration (typically 5+ years), age limits, and absence of a living child (with narrow medical exceptions) — a separate certificate from the Certificate of Essentiality.
Couple's Own EligibilityA state-level health official (or equivalent appropriate authority) ultimately verifies all conditions, including insurance coverage, before final clearance for the registered surrogacy clinic to proceed.
Final VerificationThe surrogacy procedure itself can only be performed at a clinic registered under the ART (Regulation) Act, 2021 — your clinic will typically guide you on the exact documentation sequence and timing for submitting proof of insurance.
Procedural ContextTypical Health Insurance Exclusion Pattern — Confirm the insurer's Specific NSIP Exclusions
NSIP's specific, filed exclusion list isn't independently published as of this page's research. Based on standard maternity/health insurance exclusion patterns generally applicable across the category, the following types of exclusions are commonly seen — confirm the insurer's exact NSIP exclusions with Probitas.
Since only altruistic surrogacy is legal in India, any arrangement found to violate the Act's altruistic-only framework would fall outside the scope of a legally compliant insurance product entirely.
Standard across the insurer's domestic health products — treatment taken outside India's geographical limits is commonly excluded, though confirm this specifically applies to NSIP.
Since surrogacy procedures must occur at a clinic registered under the ART (Regulation) Act, 2021, treatment at an unregistered facility would likely fall outside both the legal framework and any compliant insurance product's coverage.
Standard health insurance practice typically excludes or applies waiting periods to conditions existing before the policy began — confirm how this applies given the surrogate's required pre-screening medical and psychological fitness checks.
This list reflects general health insurance exclusion patterns, not NSIP's specific, filed exclusion clauses. Call Probitas at 022 4302 0000 for the complete, confirmed exclusion list under this policy.
General Health Insurance Claims Pattern — Confirm NSIP's Exact Process
NSIP's exact claims process isn't independently published, but follows the general pattern common to the insurer's health insurance products.
If the surrogate mother experiences a pregnancy-related or post-partum complication, the relevant party (typically the intending couple, in coordination with the surrogate and clinic) notifies the insurer or its TPA.
Following standard the insurer health insurance practice, cashless treatment may be available at network hospitals; treatment at non-network facilities would typically be handled via reimbursement.
Discharge summary, doctor's reports, diagnostic test results, and hospital bills — consistent with standard the insurer health claim documentation practice.
Submitted to the insurer/TPA within the prescribed time limit following standard health insurance claims procedure.
Approved expenses settled per the policy's sum insured and terms — confirm the insurer's exact claim decision timeline for NSIP specifically with Probitas.
Given the sensitive and time-critical nature of pregnancy complications, please confirm NSIP's exact claims intimation timeline and required documentation with Probitas at 022 4302 0000 well before the surrogacy procedure begins, so the surrogate and intending parents both know the process in advance.
National Surrogacy Insurance Policy — Frequently Asked Questions
Get Your the insurer National Surrogacy Insurance Policy Quote
Tell us about your surrogacy arrangement's stage and your surrogate's details. Since NSIP launched recently, our specialist will confirm exact sum insured and premium directly with the insurer before quoting, and can also advise on related oocyte donor insurance if applicable.
By submitting you agree to our Privacy Policy and Terms & Conditions. National Surrogacy Insurance Policy (NSIP)· the insurer· launched March 2025. This insurance is legally mandated under Section 4(iii)(a)(III) of the Surrogacy (Regulation) Act, 2021 and Rule 5 of the Surrogacy (Regulation) Rules, 2022 — 36 months of coverage for the surrogate mother's pregnancy-related and post-partum delivery complications, purchased by the intending couple/woman from an IRDAI-recognised insurer, required for the Certificate of Essentiality. As a recently launched product, the insurer's specific sum insured, premium, and exact policy wording described or referenced on this page should be confirmed directly with Probitas/the insurer before relying on them for legal documentation purposes. This page does not constitute legal advice on surrogacy eligibility or process — consult a qualified legal advisor for those matters. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.