Will insurance cover surrogate
Drafting the contract, it’s necessary for biological parents to foresee all the possible risks connected with a surrogate mother’s health as the baby she carries and is going to deliver heavily depends on her. To reduce significantly the possible expenses on compensation in case of severe surrogate’s health complications, mutual cooperation between surrogacy and insurance agencies offer an additional service: insurance coverage for surrogates.
Of course, intended parents can choose an insurance company by themselves but there is a probability that the insurance plan won’t cover certain unpredicted issues e.g. during the delivery. Also, the surrogate can find the suitable health plan. If she is worried about her pregnancy, delivery and post-delivery process and wants to receive medical support in time and for a lower price.
Of course, this service is optional and ,if you decide to have one, it is essential to know for sure what the insurance will cover, will insurance cover a surrogate mother or just a child. It worth saying, that the insurance may help intended parents to reduce the price of compensation for the surrogate mother. In case her health was damaged during pregnancy, drugs intake or delivery but it not always eliminates the health compensation at all.
As a rule, a surrogacy insurance covers the following:
- The complications that appeared during and after delivery such as: rupture of uterus, third degree perineal rupture, postpartum abscess, postpartum uterine inversion, urogenital fistula etc;
- Peripartum death of the surrogate mother (including a 30-day period after the labour);
- Incidents, that are not connected with childbirth but occurred during pregnanc. Such as: thighbone fracture, pelvic fracture,knee joint damage, crural region fracture etc.
The list of the risks the surrogacy insurance covers differs as well as the insurance claim payments. Everything should be negotiated with the agency. You’re going to be insured by and included in the contract to avoid all the further misunderstanding.