Do you feel confused about the cost of surrogacy treatment in Ludhiana?

Don’t worry, You’re not alone in this. Many couples who wanted to opt or in the way to the final decision making for the surrogacy method, often confused about this. “How will they manage the overall cost?”, “Is it affordable?”

Yes, it could be affordable for many hopeful couples and believe me, the cost is manageable. The cost of surrogacy treatment in India lies in the range between ₹15,00,000 – ₹25,00,000. However, the cost differs with respective to the city & location. 

For better financial management for surrogacy treatment cost, you need to understand the average cost you can expect, its cost components which forms the overall structuring in the finall billing. For more efficient management, also focus on the factors which can directly affects on these components. 
This article will help you understand the Surrogacy and its process. Further, we will learn about the Surrogacy Cost in Ludhiana. This will help you out with budgeting your treatment expenses.

How Much Does Surrogacy Cost in Ludhiana

Now you can have your biological baby through surrogacy.

Surrogacy is the treatment where the surrogate mother carries the couple’s baby in her womb till delivery and gives the baby back to the couple.

The treatment gets used in cases where the female partner can not conceive because of some reason including an unhealthy lifestyle, loss of the reproductive system, etc. Through the surrogacy treatment the couples have their baby.

The surrogacy treatment is part of the ART technology where the eggs and sperm get fertilized in the lab through some medication and completes the fertilization process.

In this post, we have explained the average cost of Surrogacy in Ludhiana with the cost table where the advanced treatments cost is explained as well.

Why should you trust SELECT IVF for Surrogacy in Ludhiana?

• First-stage top counseling sessions
• Premium services and processes
• Highly competent specialists for Surrogacy treatment in Ludhiana
• Sky-high surrogacy success rates in Ludhiana
• Contact us Email ID: [email protected]
• Call us: +91- 9899293903

A Simple Explanation of the Altruistic Surrogacy Concept

Altruistic Surrogacy is a type of third-party arrangement i.e. surrogate will carry the child in her womb for the intended couple. 

In this type of surrogacy, the surrogate does not receive any compensation for carrying the child except she will receive only the necessary medical & prenatal care compensation with the medical insurance coverage. 

Here the surrogate will agree to this process with the intent of helping those who are unable to carry a pregnancy on their own such as infertility couples, single women (divorcee or widow), etc. 

The surrogate and the intended couple will make an agreement with each other with the help of drafting a legal contract that has provisions for the roles & responsibilities, parental rights, Necessary Medical & prenatal care compensation with medical insurance coverage, etc. Remember these things also impact the altruistic surrogacy cost.

So, How Does the Altruistic Surrogacy Procedure Performed?

Altruistic surrogacy involves a series of procedures performed by your infertility doctor. The surrogacy process starts with finding a suitable surrogate who meets all the eligibility criteria. The surrogate will undergo medical examinations and psychological evaluations which ensure her physical fitness and medical fitness for the surrogacy process. 

The intended couples would also undergo certain medical tests and examinations for the compatibility of the process. Then after all this, a legal contract will be signed with each party i.e. surrogate and intended couples. The contract outlines all the roles & responsibilities with all the expectations involved. 

Thereafter, the intended female partner would undergo an ovulation induction process to stimulate egg production. After a certain time interval, multiple eggs are collected from the ovaries whereas the semen sample is also collected at the very same time. After this, both the reproductive gametes mix together to carry out the fertilization process, this step is called IVF or artificial insemination process. This has led to the development of the embryo and kept until the stage of blastocyst. 

The embryo is then placed directly into the surrogate uterus through the small surgical method, this method is known as embryo implantation. After about 1-2 weeks of waiting, the pregnancy tests will be carried out for the confirmation of the pregnancy. All the maternal period, the surrogate will undergo full prenatal care and regular checkups until the delivery. All these costs are incurred by the intended couples. 

After the delivery of the child, the surrogate will sign the legal contract and parental rights will be transferred to the intended couple. The intended couple will be the legal guardian of the child. 

Altruistic Surrogacy Cost in Ludhiana, Punjab

Altruistic Surrogacy cost is very different in terms of cost compensation to the surrogate as compared to commercial surrogacy. You don’t need to pay any compensation for pregnancy-carrying service to the surrogate. However, the surrogate reasonable medical & insurance compensation is one of the major cost components of surrogacy cost. 

The cost of surrogacy treatment in Ludhiana-Punjab ranges between ₹14,00,000 – ₹ 24,00,000. This cost range is the overall cost which consists of major cost components that make up this much high. 

Cost Comparisons Among Different Regions of Punjab

We will learn about the cost components in detail to understand it better.

Major Cost Components of Altruistic Surrogacy in Ludhiana, Punjab

Here we will discuss the major cost components that will be included in the overall cost structuring to make the overall cost of surrogacy treatment in Ludhiana-Punjab. 

1. Medical Procedures Expenses- It includes the cost of all fertility examinations & diagnosis conducted, blood tests, ultrasounds, medications, operational room, experts & fertility surgeon fees, delivery fees, etc. 
2. Surrogate Compensation- It includes the cost of all pre-natal care, examinations, regular checkups, post-partum medical insurance, food & house allowance, etc. 
3. The legal Professional Fees- It includes the lawyers fees, who is responsible for getting legal approvals from the high court, drafting contract, any legal procedures, etc. 
4. Use of Donor Reproductive Gametes (if applicable)- It includes the cost of donor eggs/sperm, if applicable to use. The donor eggs will comes at higher cost, compare to donor sperms. 
5. The cost of one IVF cycle- It includes the cost of IVF procedures such as ovarian stimulation, egg retrieval, embryo culture, semen analysis & preparation, embryo transfer, etc. 
6. Genetic Testing- It includes the cost of performing genetic testing procedure such as PGT, PGT-A, etc. 
7. Surrogacy Center & Agency Charges- It includes the fees/charges for the surrogacy center or agency. They charges for efficient management & coordinating the process. 
8. Use of Advanced ART techs- It includes the cost of using other ART techs such as IUI, ICSI, PESA, TESA, MESA, microTESE, etc. It will be added as separate charges in the final billing. 
9. Additional Expenses- It includes the cost of any unexpected expenses. 

Factors Affecting the Cost of Surrogacy

It’s better to know about the associated factors that can really impact the cost structuring of the overall cost of surrogacy treatment in Ludhiana-Punjab. Here, are the listed factors:

1. Reputation/Brand Value of the Surrogacy Center
2. Location/region of the Center
3. Expert knowledge & Experience
4. The type of Surrogacy Program Opted
5. Availability of Donor Egg/Sperm Bank in the City(if applicable)
6. Medications & Medical Procedures Cost
7. The Surrogate Compensation
8. Legal Approvals & Lawyers Cost
9. Surrogacy Agency Administrative Cost

Do Insurance Companies Provide Plans to Cover the Cost of Surrogacy in Ludhiana, Punjab?

Yes, the Insurance Regulatory body in India, IRDAI has directed all general health insurance providers to make plans for infertility treatments, based on the Surrogacy Regulation Act, of 2021. 

Mostly these health insurance plans provides coverage for the maternity complications, diagnostic-blood tests/ultrasounds, post-partum complications for the surrogate, etc which can makeup the major cost component of the overall cost of surrogacy treatment in Ludhiana-Punjab. 

Many big insurance companies have entered the infertility-specialized field to offer insurance coverage for infertility treatments. Companies such as Star Health, Care Health Insurance, Future-Generali, HDFC ERGO, Bajaj Allianz, etc are offering insurance plans. You need to research the good plans. Mark your budget coverage and priority for choosing the best insurance plans for yourself. 

Here, are the mentioned things that you need to consider & understand while choosing the best insurance options for yourself. 

1. Coverage Extends
2. Waiting Period
3. Limits & Caps
4. Pre-existing infertility conditions for coverage 
5. Eligibility Criteria
6. Delivery Coverage

Important Note- You need to also ask from your provider, if there is any additional benefits included in the plan or not. Many providers offers additional benefits. 

Tips for Effective Management of Overall Surrogacy Expenses in Ludhiana

Here are the smart strategies for effective management or budgeting tips for the intended couples.

1. Surrogacy is an ART tech, and it’s overall high cost, you should just be rushed into the process. Take time for the proper research, and understand the process and its associated cost with the expectations of the overall budget. You can also consult to some financial planners who can help you with the medical expenses with their specialization and good knowledge. 

2. Due to the cutting-edge competition between infertility centers, many centers have started to offer attractive or lucrative package plans for surrogacy treatment. Research two or three fertility centers with such good packages/plans. 

3. You can also consider other financial options such as Loans, especially for medical treatments, infertility treatments, etc. You should research the loan’s interest rates and its repayment plans before deciding to consider it. 

4. Many insurance companies started to provide coverage for surrogacy expenses. However, there are some limitations and exclusions in the plans. You can also expect not to get the full expense coverage. You should carefully discuss the plan’s limitations and exclusions before deciding on a certain plan for yourself. 

5. You should also maintain some amount in the emergency fund as the surrogacy process can meet some unexpected expenses such as any additional medical treatments, unexpected emergency procedures, etc. Pre-planning can save you effectively. 

6. You should also seek to consult good financial advisors who have a specialization in managing costs in the medical field. They can provide effective money management while opting for surrogacy programs. Their knowledge will really help you out. 

Why ‘Select IVF’ is the Best Choice for Affordable Surrogacy in Ludhiana?

Select IVF has been a major player in the field of providing fertility treatment. Select IVF has the mission of empowering families to achieve successful parenthood, who are facing hopelessness with their infertility conditions with their professionalism utmost care, and effective treatments.

They have been working to provide the best assisted reproductive technology such as advanced infertility treatments such as Surrogacy, IVF, ICSI, IUI, Egg & Sperm Freezing, etc in more than 10 countries worldwide. 

Here, are the considering factors for choosing Surrogacy:

1. Providing effective treatment for both Male & Female infertility. 
2. Ovulation problems, surrogacy, IVF, IUI, ICSI, egg & sperm freezing, egg donor, etc at very reasonable costs.
3. 24 hours for all 7 days service, caters to emergency services also.
4. A huge team of infertility specialists specializes in major infertility conditions.
5. Patient-centric effective treatment with ethical practices.

You can read more on our website https://selectivf.com/ or consult on call +91-8447592299 or email your query to [email protected]

Conclusions

In this article, we have helped you to understand the Surrogacy Cost in Ludhiana in detail. 

I know it might seem too much cost for you, but look this surrogacy cost as an investment in your future parenthood journey. Many centers started to offer easy & manageable financial options such as easy installments, No interest EMI, Debit card/Credit card options, etc. If necessary, took fertility financing loans or government grants (if applicable) and insurance coverage to manage it well. 

Make sure you are not compromising the quality care & success when it comes to affordability. Follow the mentioned tips, get guidance from medical financial advisors. 

Start taking steps by getting good ‘Free Consultations.’

Frequently Asked Questions

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