Surrogacy Cost in Mumbai

While the essential surrogacy expense in Mumbai comprises medical treatments and legal proceedings, some other expenses might be incurred based on individual conditions. Such add-ons, even though optional in some instances, can play a major role in affecting the overall cost of surrogacy in Mumbai.

• Surrogate Insurance: This is an essential safeguard to cover any medical complications during the surrogate’s pregnancy. The minimum cost for surrogate insurance is ₹20,000, and it can go up to ₹50,000 depending on the coverage chosen.
  
• Preimplantation Genetic Testing (PGT): Often recommended to identify any genetic abnormalities in the embryo before implantation, PGT adds to the overall cost of surrogacy. The minimum cost for this procedure is ₹30,000 and can go up to ₹1,00,000 based on the complexity of the test.
  
• Sperm Retrieval (TESA/PESA): In cases where sperm cannot be collected through natural means, techniques like TESA (Testicular Sperm Aspiration) or PESA (Percutaneous Epididymal Sperm Aspiration) are used. These procedures can cost between ₹25,000 and ₹30,000.
  
• Use of Donor Eggs or Donor Sperm: If donor gametes are needed, they significantly influence the surrogacy charges. The use of donor eggs is typically priced at ₹1,20,000, while donor sperm costs ₹30,000.
  
• Extra Ovarian Stimulations: Sometimes, additional hormonal stimulation cycles are needed for the intended mother or egg donor, which may cost between ₹20,000 and ₹30,000.
  
• Oral Medications During the Journey: Fertility treatments and surrogacy often involve extensive hormonal and supportive medications. The overall cost of these oral medications can range from ₹60,000 to ₹75,000.
  
• Antenatal Consultations: These are routine pregnancy check-ups for the surrogate to monitor the baby’s health and the progression of pregnancy. This may cost between ₹15,000 and ₹20,000.
  
• Surrogate Monitoring and Care: Comprehensive care, including nutrition, health check-ups, and accommodation if needed, is vital for a safe and healthy pregnancy. The cost of such continuous monitoring ranges from ₹50,000 to ₹1,50,000.
  
• Delivery Charges: Whether it’s a normal delivery or a C-section, delivery costs are a part of the surrogacy price in Mumbai. The minimum cost is around ₹50,000 and may reach up to ₹1,00,000 depending on the facility and type of delivery.
• Twin Pregnancy Expenses: In the case of a twin pregnancy, the medical requirements and monitoring increase, adding another ₹50,000 to ₹75,000 to the total cost of surrogacy in Mumbai.

Factors Affecting Surrogacy Cost in Mumbai

• Type of Surrogacy: Altruistic surrogacy, as mandated by the Surrogacy (Regulation) Act, 2021, involves no monetary compensation to the surrogate beyond medical expenses, potentially reducing costs.
  
• Medical Procedures: Costs can vary based on the need for IVF, ICSI, embryo transfer, and other assisted reproductive technologies.​
  
• Legal Fees: Drafting and processing legal agreements to ensure the rights of all parties can add to the overall expense.​
  
• Surrogate Care: Expenses related to the surrogate’s prenatal care, delivery, and postnatal support are significant contributors.​
  
• Clinic Reputation: Established clinics with high success rates may charge premium fees for their services.

Surrogacy is considered an elective treatment by most insurance providers in Mumbai. Hence, it might not be covered by your insurance plan. However, some private employers, especially MNCs, might cover surrogacy as a special employee benefit. At Birla Fertility and IVF, we will help you understand your options. With growing conversations around alternative fertility treatments in India, surrogacy might be covered by health providers in near future.

At Birla Fertility & IVF, Mumbai, we believe that planning a family shouldn’t come with financial stress. This is why we offer flexible EMI options and payment structures at 0% interest rates. Our expert financial advisors work with you to understand your unique situation and ensure 100% transparency all through your financial counselling. With personalised financial consultation, we also provide a comprehensive cost breakdown with no hidden charges.

To effectively manage the cost of surrogacy in Mumbai:​

• Comprehensive Planning: Outline all potential expenses early in the process to avoid unexpected costs.​
• Choose the Right Clinic: Select a clinic that offers transparent pricing and a high success rate.​
• Legal Consultation: Engage with legal experts to understand obligations and prevent future disputes.​
• Financial Assistance: Explore options like medical loans or flexible payment plans offered by clinics.​

Why Choose Birla Fertility & IVF, Mumbai for Surrogacy?

Selecting the right partner for your surrogacy journey is crucial. Here’s why our clinic stands out:​

• Expertise: Our team comprises seasoned professionals specialising in reproductive medicine.​
• Personalised Care: We offer tailored treatment plans to meet individual needs.​
• Transparent Pricing: All costs are clearly outlined with no hidden fees.​
• High Success Rates: We have a great track record of successful fertility treatments including surrogacy cases.​
• State-of-the-Art Facilities: We utilize the latest technology to ensure the best outcomes.​
• Emotional Support: Counseling services are available to support you emotionally during the journey.​
• Postnatal Care: We continue to support both the surrogate and intended parents after delivery. 
• Confidentiality: All information is handled with the utmost privacy and discretion.​