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Health Surrogate & Oocyte Donor

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

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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.

Frequently Asked Questions

What is the current GST rate on health insurance premiums?
During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.
How does the GST exemption impact my health insurance premium?
With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025.
Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300
Will my existing health insurance policy benefit from the GST exemption?
Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.
Do I need to pay GST on health insurance purchased before September 22, 2025?
Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.
What does the new GST regulation effective 22nd September mean for Health Insurance premiums?
Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
What this means for you:
Lower Premiums: You'll now pay only the base premium-no GST added.
Will my Health Infinity renewal premium reduce after the GST removal?
Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.
Does the GST regulation apply to both new purchases and renewals of Health Insurance?
Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.
Does the GST change impact Health Gain, Health Infinity, Super Top-Up, and Hospi Care plans equally?
Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.
I renewed my health policy before 22nd September with GST - am I eligible for adjustment?
If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.

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^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