Case Note:
Kuoni Travel (India) Pvt. Ltd vs Arun Sinha & Ors. on 23 January, 2012
Revision Petition in National Consumer Disputes Redressal Commission in New Delhi
Revision Petition in National Consumer Disputes Redressal Commission in New Delhi
Entity involved: A small tour operator based out of Connaught Place, New Delhi
Trip details: A 10-day trip to Bali and Malaysia for a family of 4, amounting to ₹3.4 Lakhs.
Appeal in the Delhi State Consumer Disputes Redressal Commission
Oocyte (egg) donation in India is a key aspect of Assisted Reproductive Technologies (ART) and is regulated under the Assisted Reproductive Technology (Regulation) Act, 2021.
Oocyte donors play a critical role in helping individuals and couples facing infertility challenges.
SafeTree, a leading provider of donor insurance, conducted a survey to evaluate the impact of the Assisted Reproductive Technology (Regulations) Act 2021 on the usage of oocyte donors in India.
The aim was to gather insights from IVF specialists and ART banks with respect to changes in donor availability, client confidence, and the overall process post-implementation of the new regulations.
The survey reveals a mixed impact of the new ART regulations on the usage of oocyte donors. The respondents noticed a substantial increase in donor confidence and protection. A few respondents raised some concerns regarding the availability of donors.
Most IVF specialists are optimistic about the future of donor participation, provided certain regulatory adjustments and process improvements are made. Initiatives to increase awareness in the society regarding the process of oocyte stimulation and retrieval can be explored across the country.
We would like to thank all respondents who took part in our survey by sharing valuable insights, and it is our belief that if all stakeholders in the fertility ecosystem work cohesively, there will be increased transparency and accountability, which in effect will be a boon for millions of couples facing fertility challenges in the country.
Every donor’s life is precious, and it is our responsibility to provide adequate protection to each donor.
The potential for oocyte donors in India is significant due to a combination of demographic and socio-economic factors. The following is an overview of the Oocyte donor market in India –
It is estimated that India has 300-500 lakh couples with fertility challenges and 2-3 lakh IVF cycles conducted annually. Given the rising infertility rates and growing ART adoption, the market for oocyte donors is expected to grow substantially.
The following are key findings of the survey conducted to understand the impact of the Assisted Reproductive Technology (Regulations) Act 2021 on the usage of Oocyte donors in India –
Increased Confidence – A significant majority (57%) of respondents indicated that client confidence in the system has increased post-implementation of the new ART regulations.
Decreased Availability – Many respondents noted that donor availability has gone down since the implementation of new regulations.
Better Protection – A common piece of positive feedback was that donors now have better protection due to the new regulations.
Mixed Experiences –


Q – What percentage of couples consider an Oocyte Donor

As per 50% of the respondents, nearly 1 in 5 couples consider an Oocyte donor
Q – What has been your experience regarding utilization of Oocyte Donors post ART regulations

Nearly 40% of the respondents have experienced an increase in Oocyte donors post implementation of ART regulations. This is expected given the drop in fertility rates.
Q – I believe Oocyte Donor participation in coming times will

Nearly 2/3 of the respondents believe there will be increased participation of Oocyte donors in the years to come.
Q – We ensure following insurance cover for our Oocyte Donors

Regulations require that Ooctye donors to have Health and Life insurance coverage.
However, 40% of donors are not provided with life insurance. Need to increase awareness regarding compliance requirements.
Q – We source Oocyte Donors from

86% of respondents rely on ART Banks for Oocyte donors.
Q – From your perspective what is your assessment post implementation of new ART regulations (Multiple options selected)

2/3 for respondents believe Oocyte donors have better insurance protection now.
57% have increased confidence in the system post new guidelines.
50% respondents have experienced a drop in donor availability.
Infertility affects millions of couples globally, with 28 million couples in India suffering from the issue. Since not being able to conceive can be one of the most difficult events in a couple’s life, research shows that couples dealing with reproductive issues experience significant anguish and worry.
Lawmakers are enacting laws to safeguard consumers worldwide, and liabilities against service providers are rising. The tourism sector is no exception, and tour operators face an increasing number of possible domestic and international service claims.
When it comes to package travel and travel arrangements, European tour operators adhere to the European Package Travel Directive, 2018, and other legislative directives that safeguard travellers’ rights. Refunds, liability, cancellation, and repatriation are some of these rights.
The burden of compliance for tour operators worldwide has increased as a result of these rules. Additionally, in order to prevent major company disruption and possible financial losses, tour operators must complete protection to manage defence expenses and settlements due to today’s customer-friendly verdicts and increasingly demanding customers.
In order to safeguard Indian tour operators, SafeTree and the Indian Association of Tour Operators have created a comprehensive liability insurance plan that offers IATO members the best possible protection at a fair price. The top private general insurance provider in India has underwritten this plan.
“This product proposition has been developed by a specialist team from the insurance and travel industry,” stated Mr Rajiv Mehra, President of the Indian Association of Tour Operators (IATO), at the proposal’s unveiling. Our members have requested this kind of security, and we appreciate SafeTree for creating a complete insurance plan as the Indian tourism sector really needs it.
The purpose of the Tour Operator’s Liability Insurance Plan is to shield tour operators from monetary losses brought on by lawsuits brought against them for property damage, adventurous activities, bodily injury, or other liabilities deriving from their business. This kind of insurance usually covers a variety of risks related to planning and running tours, including transportation-related mishaps, injuries or property damage sustained during tour-related activities, and possible legal costs spent in the event of a claim.
The CEO of SafeTree, Mr. Vikas Anand, emphasised that the company has designed this offering to offer complete security regardless of the size and scope of the business since we recognise the special requirements of Indian tour operators, who operate in a complicated and dynamic market.
The following are covered by a tour operator’s liability insurance plan:
1. Mistakes and Exclusions: Protects the tour operator from claims of professional service negligence that could cause harm or loss to the customer.
2. General Liability: Provides protection from lawsuits or claims for property or bodily harm.
3. The rental car’s non-owner liability: Protection against claims of property damage or bodily injury resulting from surface transport movements within or between states.
4. Legal Defence: The cost of employing solicitors.
5. Medical emergencies: Pays for the client’s immediate medical first aid costs.
6. Boat and animal rides are included.
7. Adventure Activities: Motorcycling, hiking, trekking, river rafting, motorcycling, and jungle safari.
According to Mr. Bawa Mohit Singh, Head of Marketing & Corporate Communications, our proposal meets the demands of tour operators, who must have liability insurance coverage in place due to the ever-changing regulatory landscape. To handle all servicing and claims needs, we have a skilled staff.
Visit Buy Tour-Operator Liability Insurance in India | SafeTree to learn more about the Tour-Operators Liability Insurance Plan. You can also send emails to Mr. Akarshit Sonkar at akarshit@safetree.in and Mr. Bawa Mohit Singh at bawamohit.singh@safetree.in to continue the conversation.
SafeTree | IATO Indian Association of Tour Operators
Infertility is growing across the globe including India. WHO estimates that infertility impacts a staggering 1 in 6 people worldwide, which is approximately 17% of the global population.
If you’re looking for the best income opportunity in 2022, then one of the best options is to become insurance POS agent. The reason we at Safetree say this is because the income possibilities are as follows; any normally successful and average pos agent earns between Rs 12 Lacs to 15 Lacs a year.
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If you are looking for one of the best income methods available where you can earn enough to support yourself and your family, then pos agent. As an insurance agent you can earn an income of upto Rs 12 Lacs to 15 Lacs which is the average income of any successful POS agent.