Our heartfelt condolences to everyone affected by the AI 171 (Ahmedabad-London Gatwick) tragedy. For urgent claim help, please Click here. Please note, our services email has changed to services@indusindinsurance.com (earlier - rgicl.services@relianceada.com) as part of the ongoing transition. Please click here to view the detailed list of updated email addresses.

Self-Help

Health Surrogate & Oocyte Donor

Name: Surrogate Insurance & Oocyte Donor Coverage
Brand: Reliance General Insurance
Rating: 4.9 (310 reviews)

Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians

Please share your Details

I accept Terms & Conditions and WhatsApp Opt-in

Benefits

Plan Details

Reliance Health Surrogate and Oocyte Donor Rider has been designed to cover the insured in case they choose to go in for options like Surrogacy or Oocyte Donors due to medical complications or infertility issues that stops them from conceiving naturally. This Rider policy can be bought by any couple who already has an existing Reliance Health Indemnity Base Policy

Cashless Hospitalisation Across PAN India
Hospitalisation Expenses covered
Modern Treatment covered within SI
Quick Hassle-Free Claim Settlement

Take a detailed look at the key features

Key Features	Basic Benefits
Sum Insured (in ₹)	5 Lakhs, 10 Lakhs
Hospitalisation Expenses	Hospitalisation expenses for a minimum period of 24 consecutive hours only shall be admissible. Time limit of 24 hrs shall not apply when the treatment is undergone in a Day Care Centre.
AYUSH	Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered upto sum insured, during each Policy year as specified in the policy schedule.
Pre-Hospitalisation	For 30 days prior to the date of hospitalisation
Post Hospitalisation	For 60 days from the date of discharge from the hospital
Sublimit for room/doctor's fee	1) Room Rent, Boarding, Nursing Expenses all inclusive as provided by the Hospital/ Nursing Home up to 2% of the sum insured subject to maximum of Rs.5000/- per day. 2) Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all-inclusive as provided by the Hospital/ Nursing Home up to 5% of the sum insured subject to maximum of Rs. 10,000/-, per day
Cataract Treatment	Up to 25% of Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year.
Modern Treatment	Up to 50% of SI, Within S.I
Cumulative bonus	Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.

Eligibility Criteria for Reliance Health Surrogate and Oocyte Donor Rider

Details	Criteria
Entry Age	23 years to 37 years
Coverage	Individual Policy
Policy Tenure	1 year for Oocyte Donor 3 years for Surrogate
Eligibility and Application requirements	Female gestational Surrogate or Oocyte donor

Waiting Period of Reliance Health Surrogate and Oocyte Donor Rider

Details	Duration
Initial waiting period	30 days from the start of the policy date
Specific waiting period	24/36 months
Pre-existing Diseases waiting period	36 months Note: This exclusion shall not apply in case of medical complications arising within 6 weeks of childbirth through Surrogacy

Take a look at the exclusions for Reliance Health Surrogate and & Oocyte Donor Rider

At Reliance General Insurance, we believe in transparency. To ensure that you do not face any unpleasant surprises while making a claim, do look at some of the major exclusions^ of the policy:

Admission primarily for investigation & evaluation
Admission primarily for rest Cure, rehabilitation, and respite care
Expenses related to the surgical treatment of obesity that does not fulfil certain conditions.
Change of Gender treatments
Expenses for cosmetic or plastic surgery expenses related to any treatment necessitated due to participation in hazardous or adventure sports

Easy & Faster Claim Process

Cashless

Register Claim: During a medical emergency, inform the claims team regarding hospital admission. Click here to send a mail immediately and inform us about the incident or log in through the Self-i App, or call (022) 4890 3009 (Paid Number).
Claim Process: Submit details regarding the type of treatment planned and provide all required documents to the claims team. We will start adjudicating the claim as per the policy T&C.
Claim Approval: Get cashless treatment if you have opted for a network hospital.
For Cashless everywhere please click here

Reimbursement

Register Claim: For any hospitalization, inform the claims team. Click here to send a mail immediately and inform us about the incident or log in through the Self-i App, or call (022) 4890 3009 (Paid Number).
Claim process & payment: Submit details regarding the type of treatment planned, start the treatment and make the payment
Reimbursement process: Submit your original scanned documents within 15 days from hospital discharge to initiate the reimbursement.

Relevant Links for Health Insurance

Health Insurance for Top Loactions

Disease-Specific Health Insurance

^Following is a partial list of the policy exclusions, please refer to the policy wording for the complete list of exclusions. *T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding sale. The details mentioned here are for Reliance Health Surrogate and Oocyte Donor Rider UIN: RELHLIA25036V012425