From my experience with general maternity cover, surrogacy rules are very different and often not covered by standard policies. It's best to read the fine print of your policy document.
The journey to parenthood has so many emotional and financial steps. Usually, standard health insurance doesn't cover surrogacy expenses, but some special plans might. Sending you lots of love and strength.
Honestly, standard Indian health insurance policies do not cover surrogate pregnancies. You have to look for specialized legal and medical packages or ask your agency directly. Don't assume anything, check the documents first.
For my own delivery, my corporate insurance covered normal/C-section, but when my friend looked into surrogacy, her policy explicitly excluded it. It's a very specific case, so do call your insurance provider to clarify.
Navigating insurance during my C-section was stressful enough, and surrogacy is even more complex. Most traditional plans in India don't cover it directly, so please double check with your agent before planning.
