Do you wonder about the structuring of various cost components that make up the overall altruistic Surrogacy Cost in Bathinda-Punjab?

Surrogacy is proven to be an effective method among infertility couples who have the desire to have their child. After gaining acceptance, growing education, and growing rates of infertility in the Punjab state, Bathinda has some of the best surrogacy centers offering state-of-the-art architecture and effective treatment with the best possible result with the ART techs. 

In order to select a particular surrogacy center and make a final decision for the surrogacy treatment, understanding the cost components structuring can be an important step. These cost components make up the overall surrogacy cost. After understanding these, you can explore various financial options and programs to budget your treatment needs. 

This article will help you understand the Surrogacy and its process. Further, we will learn about the cost components and surrogacy insurance coverage. This will really help you out with budgeting your treatment expenses.

A Simple Knowledge Guide to Altruistic Surrogacy and How Does it Work?

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. 
To understand the cost of altruistic surrogacy cost in Bathinda, Punjab, you need to understand how the surrogacy procedure works that involves the cost components.

How does Altruistic Surrogacy Cost in Bathinda-Punjab?

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. 

This is how Altruistic surrogacy works and we will discuss its overall cost in Bathinda, Punjab.

Altruistic Surrogacy Cost in Bathinda, Punjab

Altruistic Surrogacy cost is very different in terms of cost compensation to surrogate as we compare to the 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 average altruistic surrogacy cost in Bathinda, Punjab ranges between ₹13,00,000 – ₹ 24,00,000. This cost range is the overall cost which consists of major cost components that make up this much high. We will learn about the cost components in detail to understand it better. 

Major Cost Components of Altruistic Surrogacy in Bathinda 

Here is the list of major cost components categorization which make up the overall altruistic surrogacy cost. 

1. Clinic/Agency fees & Administrative costs (upto ₹2,00,000 – ₹3,00,000)– This includes all the administrative costs and managing, paperwork and maintaining mutual coordination and understanding between the each party. 
2. Surrogate Compensation Package (upto ₹5,00,000 – ₹7,00,000)– This includes all the compensation for the surrogate’s medical examinations, tests and ultrasounds, prenatal care, foods, regular checkups and medications during pregnancy, travel & accommodation, etc. 
3. All Medical Expenses (upto ₹2,00,000 – ₹3,00,000)– These covers all the cost of medical examinations, tests for the both the intended partners, etc. 
4. The IVF Process Cost/per cycle (upto ₹2,00,000 – ₹4,00,000)– These covers the cost of medications used for egg stimulation process, egg retrieval, semen analysis & preparations, fertilizations, embryo transfer, etc. 
5. Legal Fees & Documentation (upto ₹1,00,000 – ₹3,00,000)– These covers the cost of legal process such as drafting & reviewing contracts between both the party, necessary legal documentation and approval process, parentals rights transfer, and any administrative legal things, etc. 
6. Advanced ART Expenses– These includes the cost of other advanced ART techs such as ICSI/IUI, genetic testing, FET, PESA/TESA/microTESE, etc, which you can expect to be used in the surrogacy process.

Additional Expenses (upto ₹1,00,000 – ₹2,00,000)– These includes the cost of any additional expenses such as delivery cost (normal or c-section), Freezing/cryopreservation cost (if opted), any unexpected cost occurrence, etc.

Factors Affecting the Cost of Surrogacy

In order to make an informed decision, you need to understand the various factors that can really impact the overall altruistic surrogacy cost in Bathinda, Punjab. It is important to understand that these cost factors can fluctuate or vary, its not fixed. 

• Type of the surrogacy program you have opted
• Selection of surrogacy center and its reputation
• The location of the city
• Fertility experts’s experience and specialization in the field
• Reasonable compensation & prenatal care expenses for surrogate
• Medications & Examinations expenses
• Legal & administrative expenses
• Agency’s administrative expenses

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

Yes, the Insurance Regulatory and Development Authority (IRDAI) has directed all insurance companies or providers to provide insurance for fertility treatments as well in the category of medical insurance. Seeking for insurance plans can really ease out the altruistic surrogacy cost in Bathinda, Punjab. 

Due to this, Many insurance companies have started to plan to provide fertility insurance plans especially for the various infertility treatments under medical insurance plans. However, these plans may vary from company to company. Not all surrogacy expenses are covered. However, you can expect to cover the cost of IVF process as some may provide coverage for the diagnostic tests, blood tests, ultrasounds, etc for the IVF procedure while some may not offer insurance plans for IVF at all.

IRDAI has been mandated to provide insurance coverage for the surrogate, after a post-delivery a period of 36 months (post-partum delivery complications). You can cover the medical insurance compensation to the surrogate through the insurance plans. 

You need to importantly discuss this:

• You need to discuss your insurance provider about the plans in detail, its policies and ask them your queries to have clarity. 
• Ask about the co-pays and any deductible amounts if you need to pay these additional amounts to the coverage. 
• You should also have to explore different plans or additional benefits in order to choose the best plan, according to your needs and financial budget plan.

Smart Strategies for Effective Management of Surrogacy Expenses

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

1. Research– 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 some financial planners who can help you with the medical expenses with their specialization and good knowledge. 

2. Flexible Payment Plans/Packages- 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. Exploring Financial Options- 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. Considering the Insurance Coverage- Yes, many insurance companies started to provide coverage for the 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. Maintain an Emergency Fund- 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. Consultation with Financial Advisors- You should also seek to consult with 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. 

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Why ‘Select IVF’ the Best Choice for Affordable Surrogacy in Bathinda, Punjab?

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 discussed about the surrogacy and its process. Providing the details about the cost components and factors which affect the overall altruistic surrogacy cost in Bathinda, Punjab. We have also shared some budgeting tips with you.

Do explore those budgeting tips and options, as well consulting the medical financial advisor would really help you out in having clarity about the expenses. Other than these, you should do an research about the various surrogacy programs. Making a consultation would really help out. Consult your trusted fertility doctor today! 

Time & age is very critical for the surrogacy process!

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