What is the Cost of surrogacy in India?

The cost of surrogacy in India varies depending on various factors, including medical facilities, location, and legal requirements. Get an overview of surrogacy expenses in India and plan your journey effectively.

Surrogacy is a popular choice for infertile couples. It offers hope and the opportunity to experience the joy of parenthood. If you are considering surrogacy in India, it is critical that you understand the costs involved. In this complete guide, we will look at the numerous elements that contribute to the cost of surrogacy in India, such as laws, medical procedures, and other costs.

Understanding Surrogacy in India

Before delving into the expense, let’s first define surrogacy. Surrogacy is a type of assisted reproduction in which a woman, referred to as the surrogate, carries a pregnancy for another person or couple, referred to as the intended parents. Surrogacy is divided into two types: traditional surrogacy and gestational surrogacy.

Using artificial insemination, the surrogate’s egg is fertilised with the intended father’s sperm in traditional surrogacy. The surrogate has a genetic connection to the child. Gestational surrogacy, on the other hand, entails implanting an embryo developed through in vitro fertilization (IVF) into the surrogate’s uterus. In gestational surrogacy, the surrogate has no genetic connection to the child.

It is essential to understand the legal framework guiding surrogacy in India. The Government of India has outlawed commercial surrogacy, in which the surrogate receives financial pay. However, under some conditions, altruistic surrogacy, in which the surrogate chooses to carry the pregnancy without financial gain, is still permissible.

In India, the altruistic surrogacy law specifies that only heterosexual couples with fertility challenges are eligible for surrogacy. Furthermore, the couple must be married and have no children of their own. The age restriction for the intended parents is also defined, with the female partner not exceeding 50 years of age and the male partner not exceeding 55 years of age.

Factors Affecting the Cost of Surrogacy in India

The cost of surrogacy in India might vary depending on a number of factors. Let’s take a closer look at the important aspects that contribute to the overall cost:

1. Medical Procedures and IVF Treatments

The medical procedures and IVF treatments needed are the first big component of the expense of surrogacy in India. These are some examples:

  • Egg Retrieval: Obtaining eggs from the intended mother or an egg donor by hormonal stimulation and surgical retrieval.
  • Sperm Collection: The collecting of sperm from the intended father or a sperm donor for fertilisation.
  • In Vitro Fertilization (IVF): In vitro fertilisation of eggs with sperm to produce embryos.
  • Embryo Transfer: Transfer of embryos into the surrogate’s uterus for implantation.
  • Monitoring and Medications: Regular monitoring of the surrogate’s reproductive cycle and administration of drugs to prepare her uterus for pregnancy.
  • Medical Consultations and Tests: Consultations with fertility specialists, gynaecologists, and other medical professionals, as well as different tests and screenings, are all part of the procedure.

These medical procedures and treatments largely contribute to the expense of surrogacy in India.

2. Surrogate Compensation and Care

Another important component in surrogacy costs is the compensation and care offered to the surrogate. Although commercial surrogacy is illegal in India, the surrogate is nevertheless entitled to fair recompense for her time, effort, and the physical and emotional toll of bearing the pregnancy.

Surrogate income usually includes medical bills, prenatal care, and a monthly allowance for personal requirements. Surrogacy costs in India include the financial support given to the surrogate throughout the pregnancy.

Navigating the legal issues of surrogacy necessitates professional assistance, and legal fees are a big component of the overall cost. These costs include contract drafting and review, acquiring essential approvals and permissions, and assuring compliance with Indian surrogacy laws and regulations.

Legal expenses may vary based on the intricacy of the case and the experience of the legal specialists involved. It is critical to use professional surrogacy lawyers to ensure a smooth and legal process.

4. Administrative and Agency Fees

When you use a surrogacy agency or a fertility clinic, you will be charged administrative and agency fees. These expenses cover the whole surrogacy process, which includes pairing intended parents with prospective surrogates, arranging medical consultations and procedures, and providing continuous support and assistance.

Administrative and agency fees are part of the entire cost of surrogacy in India, and they vary based on the service provider and the level of help required.

5. Insurance and Medical Expenses

Insurance coverage for the surrogate and the baby is a significant factor in surrogacy costs. Adequate medical insurance should be in place to cover any unanticipated medical costs during pregnancy and childbirth.

To guarantee thorough protection for all parties involved, it is critical to examine insurance coverage choices with the surrogacy agency or fertility facility.

6. Additional Expenses

Depending on the unique circumstances, there may be additional costs involved with surrogacy in India. These expenditures may include the intended parents’ travel and lodging, psychological counselling for all parties involved, and any unforeseen medical difficulties during the pregnancy.

Budgeting for these additional fees is recommended to ensure a complete grasp of the whole cost of surrogacy.

Cost of Surrogacy in India

Surrogacy costs vary in India depending on numerous aspects, including the kind of surrogacy (self-egg or donor-egg), the city where the surrogacy is performed, and the experience and reputation of the surrogacy agency. However, surrogacy costs substantially less in India than in many other nations, including the United States and Canada.

Here is a breakdown of the estimated costs of surrogacy in India:

  • IVF/ICSI – ₹1.5 – ₹3 lakhs
  • Medications – ₹75k – ₹2.25 lakhs
  • Surrogacy agency fees – ₹1.5 – ₹3.75 lakhs
  • Legal fees – ₹75k – ₹2.25 lakhs
  • Surrogate compensation – ₹5 lakhs – ₹6 lakhs
  • Other expenses (such as travel, accommodation, and food) – ₹1 lakh – ₹2 lakhs

Total cost: ₹10.75 lakhs – ₹20 lakhs

  • Self-egg surrogacy is the most popular and least expensive type of surrogacy in India. The intended parents use their eggs to generate embryos, which are then transferred to the surrogate in self-egg surrogacy.
  • Donor-egg surrogacy is more expensive than self-egg surrogacy since donor eggs must be purchased. Donor-egg surrogacy is frequently recommended for couples who are unable to conceive with their own eggs.

It should be noted that the prices listed above are only estimations. The actual cost of surrogacy in India would depend on your specific situation.

Here is a breakdown of the different types of expenses involved in surrogacy in India:

  • Medical expenses – This includes the expense of IVF/ICSI, medicines, and any other medical treatments required for the surrogacy process.
  • Surrogacy agency fees – Surrogacy agencies offer a wide range of services, including recruiting a surrogate, coordinating medical care, and offering legal assistance. Surrogacy agency prices vary according to the agency and the quality of services provided.
  • Legal fees – A lawyer is required to draw and finalise the surrogacy agreement between the intending parents and the surrogate. The lawyer will also help to guarantee that the surrogacy process is carried out legally and ethically.
  • Surrogate compensation – This is the fee paid to the surrogate in exchange for her services. The amount of surrogate remuneration varies according to geography and surrogate experience.
  • Other expenses – This includes the intended parents’ and surrogate’s travel, lodging, and food expenses.

When thinking about surrogacy, it’s crucial to budget for all of these costs. It’s crucial to select a reliable surrogacy organisation that can give you precise information about the charges involved.

Financing Options for Surrogacy in India

Many intending parents look into financial methods to cover the fees because surrogacy entails hefty costs. The following are a few potential sources of funding:

  • Personal Savings: The surrogacy procedure may be paid for by the intended parents using their personal money.
  • Medical Loans: Financial organisations provide medical loans made expressly to pay for surrogacy and fertility procedures. These loans are repayable over a predetermined time period in manageable payments.
  • Crowdfunding: Some couples use crowdfunding websites to ask their friends, family, and well-wishers for financial assistance with the cost of their surrogacy journey.
  • Insurance Coverage: Ask your insurance company if there are any possibilities for coverage of costs associated with surrogacy and fertility treatments.

Conclusion: Cost of surrogacy in India

Making the decision to become a surrogate is a big one, both emotionally and financially. For intended parents to budget their money and make wise decisions, they must be aware of the cost of surrogacy in India. The cost breakdown presented in this manual provides a thorough understanding of the numerous elements affecting the overall costs.

To get precise cost estimates and tailored advice based on unique circumstances, it is advised to speak with respected surrogacy services, fertility clinics, and legal experts. With the right preparation and assistance, the dream of parenthood can become a reality. Surrogacy offers hope and the chance to start a family.

FAQs: Cost of surrogacy in India

Q. is surrogacy covered by insurance in India?

Yes, insurance in India does cover surrogacy. All health insurance companies are required to begin covering surrogacy costs under their health insurance policies immediately, under a directive from the Insurance Regulatory and Development Authority of India (IRDAI). The expense of surrogacy treatment, including the cost of the surrogate mother’s medical care, delivery, and postnatal care, must now be covered by all health insurance policies in India.

Q. is surrogacy legal in India?

Surrogacy is permitted in India, but only for charitable purposes. Altruistic surrogacy is when the surrogate mother solely receives payment for her maternity-related medical costs and insurance coverage. India forbids commercial surrogacy, in which the surrogate mother is compensated for her services.

Q: What are the legal aspects of surrogacy in India?

The Surrogacy (Regulation) Bill, 2019, which was approved by the Indian Parliament in 2021, governs surrogacy. Altruistic surrogacy, in which the surrogate mother is only paid for her medical bills and insurance coverage during the pregnancy, is permitted but commercial surrogacy is outlawed.

Q: Who is eligible for surrogacy in India?

Only Indian couples who have been legally wed for at least five years and who have an infertility condition that has been certified by a government-appointed medical body are eligible for surrogacy in India. The intended parents’ close relatives must be between the ages of 25 and 35, and the surrogate mother must already be the mother of a child.

Q: What are the different types of surrogacy in India?

In India, there are primarily two kinds of surrogacy:
Traditional surrogacy:Since her own eggs were used to make the embryo in traditional surrogacy, the surrogate mother is also the child’s biological mother.
Gestational surrogacy: In gestational surrogacy, the surrogate mother carries a pregnancy made with the intending parents’ or a donor’s eggs and sperm.

**Disclaimer: This article’s material is offered solely for educational reasons; it should not be construed as legal or financial advice. It is crucial to speak with specialists in surrogacy and get specialised advice for your unique circumstance.

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