{"id":1045,"date":"2025-07-21T13:11:37","date_gmt":"2025-07-21T13:11:37","guid":{"rendered":"https:\/\/safetree.in\/blog\/?p=1045"},"modified":"2026-02-06T12:33:46","modified_gmt":"2026-02-06T12:33:46","slug":"surrogacy-in-india-how-it-works-and-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/safetree.in\/blog\/surrogacy-in-india-how-it-works-and-what-you-need-to-know\/","title":{"rendered":"Surrogacy in India: How it works and what you need to know?"},"content":{"rendered":"<p>Surrogacy in India is governed by the Surrogacy (Regulation) Act of 2021. This article aims at providing a simple guide to legal, safe and affordable surrogacy procedures for intending couples.<\/p>\n<p><!--more--><\/p>\n<h2>Who is allowed to opt for surrogacy?<\/h2>\n<ol style=\"color: #000000;\">\n<li style=\"color: #000000;\"><span style=\"color: #000000;\">Married Indian heterosexual couples, with the following criteria<\/span>\n<ul>\n<li><span style=\"color: #000000;\">Age: wife between 23 to 50 and husband between 26 55 on the day of issuance of eligibility certificate<\/span><\/li>\n<li><span style=\"color: #000000;\">Must produce a District Medical Board Certificate that either partner has a medical condition necessitating gestational surrogacy.<\/span><\/li>\n<li><span style=\"color: #000000;\">Must have no living child, including one adopted or through an earlier surrogacy procedure, except when the child has a severe disability or life-threatening disease.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"color: #000000;\"><span style=\"color: #000000;\">Single women who are:<\/span>\n<ul>\n<li><span style=\"color: #000000;\">Either widowed or divorced<\/span><\/li>\n<li><span style=\"color: #000000;\">Between the age of 35 and 45 years<\/span><\/li>\n<li><span style=\"color: #000000;\">Same medical condition and child requirements as above<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>Who is not allowed surrogacy in India?<\/h3>\n<ol style=\"color: #000000;\">\n<li style=\"color: #000000;\">Foreign nationals and tourists<\/li>\n<li style=\"color: #000000;\">Same-sex couples, live-in partners, unmarried couples<\/li>\n<li style=\"color: #000000;\">Single men<\/li>\n<li style=\"color: #000000;\">Married couples with a healthy living child (unless the child is severely disabled or terminally ill)<\/li>\n<li style=\"color: #000000;\">Anyone seeking commercial surrogacy, sex selection or embryo\/gamete importation<\/li>\n<li style=\"color: #000000;\">OCI\/PIO cardholders who are not Indian citizens \u2013 the Act is silent; until clarified, most state authorities treat them as foreigners and refuse certificates.<\/li>\n<\/ol>\n<h3>What are the other eligibility considerations?<\/h3>\n<ol>\n<li style=\"color: #000000;\">Altruistic only: Any monetary reward for the surrogate mother is a criminal offence. The surrogate can receive only the medical costs and insurance cover.<\/li>\n<li style=\"color: #000000;\">Certificate chain: District Medical Board \u2794 Magistrate\u2019s parentage order \u2794 Appropriate Authority\u2019s Certificate of Essentiality (medical indication + 36-month insurance for surrogate) and Certificate of Eligibility (age-plus-no-child test)<\/li>\n<li style=\"color: #000000;\">Surrogate\u2019s eligibility: Every married Indian woman, with one live birth, 25-35 years old, can be a surrogate only once and may not contribute her own gametes.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h3>What does the surrogacy journey in India look like?<\/h3>\n<table style=\"height: 1173px; border: 1px solid black;\" width=\"935\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">Stage<\/td>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"258\">What happens<\/td>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"92\">Indicative timing<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">1.\u00a0Eligibility &amp; first consult<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"258\">The couple\/woman confirms the age band, marital status and \u201cno living child\u201d rule with a registered clinic; initial counselling<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"92\">1\u20132 weeks<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">2. Surrogate search &amp; match<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"258\">The clinic screens candidates against Act criteria (25-35 years old, ever-married, one live child, surrogacy only once) and does psych check<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"92\">1\u20133 months<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">3.\u00a0Medical board clearance<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"258\">District Medical Board issues infertility \/ medical-indication certificate; full health work-ups for all parties<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"92\">2\u20134 weeks<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">4.\u00a0Legal &amp; insurance formalities<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"258\">\u2022 Buy 36-month surrogate\u00a0 insurance policy<br \/>\n\u2022 Draft tripartite contract<br \/>\n\u2022 Secure Magistrate parentage order and Appropriate Authority\u2019s Certificates of Essentiality &amp; Eligibility<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"92\">2 \u2013 6 weeks (often parallel with Stage 3)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">5.\u00a0IVF cycle &amp; embryo transfer<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"258\">Hormonal prep, egg retrieval, fertilisation, single-embryo transfer to surrogate<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"92\">4\u20138 weeks<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">6.\u00a0Pregnancy confirmation<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"258\">\u03b2-hCG \/ ultrasound to establish clinical pregnancy<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"92\">2\u20133 weeks post-transfer<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">7.\u00a0Gestation monitoring<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"258\">Regular obstetric checks; insurance covers any complications throughout pregnancy<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"92\">\u2248 9 months<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: #000000;\" width=\"99\">8. Birth &amp; handover<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"258\">Delivery in a registered facility; birth certificate issued in parents\u2019 names; baby discharged to intending parents<\/td>\n<td style=\"border: 1px solid black; color: #000000; font-weight: 400;\" width=\"92\">1\u20132 weeks after delivery<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3>What are the costs associated with surrogacy?<\/h3>\n<h4>Surrogacy costs in India<\/h4>\n<p>The average estimated cost of surrogacy in India is between INR 15 lakhs to INR 20 lakhs. Factors affecting the cost include:<\/p>\n<ul>\n<li style=\"color: #000000;\">The IVF center, its location and credibility<\/li>\n<li style=\"color: #000000;\">Need of a donor<\/li>\n<li style=\"color: #000000;\">Surrogate&#8217;s Medical Conditions<\/li>\n<li style=\"color: #000000;\">Number of implant cycle failures<\/li>\n<li style=\"color: #000000;\">Legal complications<\/li>\n<li style=\"color: #000000;\">Multiple births during and the time of birth<\/li>\n<\/ul>\n<h3>Role of mandatory insurance<\/h3>\n<p>Insurance plays a pivotal role in upholding the sanctity of the Surrogacy Act and keeping the <a href=\"https:\/\/safetree.in\/blog\/surrogacy-in-india-a-promising-new-opportunity-for-intending-couple\/\">surrogacy practice in India<\/a> truly altruistic. It ensures that all health expenses are taken care of by the insurer, which in turn ensures just and fair prices.<\/p>\n<p>Under the Surrogacy Act, intending parents must purchase a 36-month <a href=\"https:\/\/safetree.in\/surrogate\/health-insurance\">health insurance policy covering the surrogate\u2019s pregnancy<\/a>, delivery and three-year postpartum window. The cover reimburses all obstetric complications and emergency surgeries, ensuring uninterrupted care while capping parental liability and preventing illicit cash payments disguised as medical support or compensation.<\/p>\n<h3>What are the key risks associated with surrogacy?<\/h3>\n<table>\n<tbody>\n<tr>\n<td style=\"border: 1px solid black; color: black;\">Risk category<\/td>\n<td style=\"border: 1px solid black; color: black;\">Description<\/td>\n<td style=\"border: 1px solid black; color: black;\">Mitigation<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: black;\">Medical<\/td>\n<td style=\"border: 1px solid black; color: black; font-weight: 400;\">Complications \u2013 preeclampsia, GDM, preterm birth, C-section<\/td>\n<td style=\"border: 1px solid black; color: black; font-weight: 400;\">Screening, single-embryo transfer, mandatory 36-month insurance<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: black;\">Legal \/ Compliance<\/td>\n<td style=\"border: 1px solid black; color: black; font-weight: 400;\">Missing certificates, unregistered clinic, illegal payments<\/td>\n<td style=\"border: 1px solid black; color: black; font-weight: 400;\">Follow 3-step paperwork, use registered centres<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: black;\">Financial<\/td>\n<td style=\"border: 1px solid black; color: black; font-weight: 400;\">Extra IVF cycles, NICU bills, court delays<\/td>\n<td style=\"border: 1px solid black; color: black; font-weight: 400;\">Itemised quote, 20% buffer, multi-cycle packages, mandatory insurance<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid black; color: black;\">Psychological<\/td>\n<td style=\"border: 1px solid black; color: black; font-weight: 400;\">Surrogate burnout, intended-parent anxiety<\/td>\n<td style=\"border: 1px solid black; color: black; font-weight: 400;\">Mandatory psych evaluation, counselling, support groups<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3>Other Key considerations under India\u2019s Surrogacy (Regulation) Act 2021<\/h3>\n<ul>\n<li style=\"color: black;\"><span style=\"font-weight: 500;\">Altruistic-only rule &amp; penalties <\/span>\u2013 Commercial surrogacy is a criminal offence; violations can draw up to a \u20b910 lakh fine and 10 years\u2019 imprisonment.<\/li>\n<li style=\"color: black;\"><span style=\"font-weight: 500;\">Sex selection &amp; embryo caps <\/span>\u2013 Any form of sex selection or import\/sale of embryos is banned; rules advise single-embryo transfer (max 3 in rare cases).<\/li>\n<li style=\"color: black;\"><span style=\"font-weight: 500;\">Surrogate\u2019s consent rights \u2013<\/span> Written informed consent is mandatory; she may withdraw before embryo implantation, and any later abortion needs her consent plus authority nod under the MTP Act.<\/li>\n<li style=\"color: black;\"><span style=\"font-weight: 500;\">Genetic-link safeguard \u2013 The<\/span> embryo must use at least one gamete from the intending couple; the surrogate\u2019s own gametes are barred.<\/li>\n<li style=\"color: black;\"><span style=\"font-weight: 500;\">Parentage guarantee \u2013 The<\/span> child is deemed the biological child of the intending couple\/woman from birth, enjoying full legal rights.<\/li>\n<\/ul>\n<h3>Why SafeTree?<\/h3>\n<p>SafeTree is a leader in IVF-related insurance products in India, having insured over 1000 surrogate mothers and partnered with more than 600 IVF clinics and ART banks nationwide. It is the only insurance intermediary offering fully compliant health and life insurance products for oocyte donors and surrogate mothers. <a href=\"https:\/\/safetree.in\/\">SafeTree<\/a> offers meticulously designed products as well as dedicated claim support, which has helped us win the trust of our partners and accolades and awards from both insurance and IVF industry bodies.<\/p>\n<p>So, if you are planning to start your surrogacy journey, SafeTree is your go-to partner. Contact us now at <a style=\"color: black;\" href=\"mailto:vikas.kumar@safetree.in\"><u>vikas.kumar@safetree.in<\/u><\/a>.<\/p>\n<h3>Disclaimer<\/h3>\n<p>For general information only; not legal or medical advice.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Surrogacy in India is governed by the Surrogacy (Regulation) Act of 2021. This article aims at providing a simple guide to legal, safe and affordable surrogacy procedures for intending couples.<\/p>\n","protected":false},"author":3,"featured_media":1295,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[127],"tags":[128,129,130],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Surrogacy in India: How it works and what you need to know.<\/title>\n<meta name=\"description\" content=\"Surrogacy in India is governed by the Surrogacy (Regulation) Act of 2021. 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