Every time we touch on the subject of surrogate motherhood we are aware of the enormous social significance; namely helping parents who are unable to have a baby for any reason. When a contract is undertaken by the surrogate and the biological parents often overlooked are the possible risks to the surrogate during the course of the pregnancy.
Insurance covering those risks differs from standard life or accident insurance as it deals with the addition of the emotional component. Both the complexity of this type of insurance and the possibility of claims have deterred many insurance companies from offering coverage. There are, however, some insurance companies who are working to provide proper coverage. Biological parents often try to choose policies that provide good compensation to lessen the possible financial burden to themselves. However, the many clauses and exceptions written into such policies mean biological parents are often paying for policies where they are not protected from unforeseen complications in surrogacy.
The worst part is that because prospective parents may not be thinking of insurance for the surrogate those safeguards are not written into surrogacy contracts. It is only when the biological parents encounter difficulties that the need for such protection for both parties becomes clear. We highly recommend you consider insurance and that you have a clear understanding of all the possible conditions covered and any further obligation to biological parents, and what the compensation would be and how it is administered.
List of insurance cases:
- The complications occurred during childbirth and in the post-natal period:
- obstetric situations which were followed by packed red cells transfusion or whole blood;
- perineal rupture of the III degree;
- purulent sepsis complications which required treatment in other hospital (within 30 days of a post natal period):
- the localized forms;
- generalized forms;
- eclampsia;
- all complications which led to loss of organ (a womb or more than 1/3 its size, appendages), except planned hysterectomy concerning fibromyoma;
- embolism of embryonic fluid;
- premature abruptio placentae;
- Hellp-syndrome;
- rupture of womb body;
- postnatal ectropion of a womb;
- symphysiolysis;
- urinogenital fistulas.
2. Death of a surrogate mother (during childbirth or within 30 days of the post natal period).
3. Birth of a dead child.
4. Cases not related to childbirth during pregnancy:
- fracture or dislocation of bodies, wishbones and processes of the vertebrae, sacrum, tailbone;
- injury of a shoulder, elbow joint, fracture of ribs;
- a shoulder fracture at any level;
- forearm bone fracture;
- basin bone fracture;
- a hip fracture at any level;
- injury of a hip, knee, ankle joint;
- shin bone fracture.
We recommend to pay attention
There should not be an exception regarding payments if an operative measure of any character is made;
In case of death, the surrogate mother should designate the beneficiary (close relatives, husband, parents, etc.).