Surrogacy has emerged as a groundbreaking solution for couples facing infertility or medical challenges preventing them from conceiving a child naturally. This assisted reproductive technique involves a surrogate mother carrying and delivering a baby on behalf of intended parents. While the emotional rewards of surrogacy are immeasurable, it's crucial to understand the financial aspects associated with this process, particularly in a city like Chandigarh. In this blog post, we'll delve into the concept of surrogacy, its legal framework in Chandigarh, factors influencing costs, the breakdown of surrogacy expenses, tips to manage these expenses, information about low-cost surrogacy centres, and the emotional journey involved.

Table Of Content

• What is Surrogacy?
• The New Surrogacy Law in India 2023-2024
• Factors Influencing Surrogacy Cost in Chandigarh
• Surrogacy Cost in Chandigarh 2023-2024 
• Tips to Manage Surrogacy Expenses
• Surrogacy Centre in Chandigarh 2023-2024
• Surrogate Mother Insurance
• Navigating Surrogacy Costs
• The Emotional Journey of Surrogacy
• FAQ's (Surrogacy Cost in Chandigarh 2023-2024)

What is Surrogacy?

Surrogacy is a medical arrangement wherein a woman carries a child for another individual or couple, known as the intended parents. This method helps couples and individuals overcome fertility issues, medical conditions, or other reasons preventing them from conceiving a child naturally. Surrogacy can take various forms, including traditional surrogacy (where the surrogate's egg is fertilized with the intended father's sperm) and gestational surrogacy (where an embryo created using the intended parents' egg and sperm is implanted into the surrogate's uterus).

The New Surrogacy Law in India 2023-2024

The New Surrogacy Law in India 2023 brings about a significant transformation in the surrogacy landscape. Here's a concise breakdown of its key aspects:

• Eligibility Criteria: The law establishes stringent eligibility criteria for intended parents, mandating Indian citizenship, a minimum of five years of marriage, and age limits of 23 to 50 for the female partner and 26 to 55 for the male partner. These criteria aim to ensure a genuine commitment to parenthood.
• Promotion of Altruistic Surrogacy: The law promotes altruistic surrogacy, disallowing surrogate mothers from receiving monetary compensation beyond medical expenses and insurance coverage. This discourages commercial exploitation and underscores the altruistic nature of surrogacy.
• Close Relatives as Surrogates: The law permits close relatives to act as surrogates, provided they meet medical and eligibility standards, fostering a support system for intending parents.
• Legal Protection: Emphasizing legal protection, the law mandates a comprehensive, legally binding agreement between intending parents and surrogate mothers, defining their rights, responsibilities, and financial obligations.
• National Surrogacy Board: It introduces the National Surrogacy Board to oversee and monitor the surrogacy process, ensuring law adherence and resolving disputes.
• Transition Grace Period: Existing surrogacy arrangements can be completed under prior legislation during a transition grace period, but new arrangements must comply with the new law.

Source: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10199460/ 

Factors Influencing Surrogacy Cost in Chandigarh

Surrogacy cost in Chandigarh are influenced by a range of factors that collectively shape the financial landscape of this assisted reproductive process. These factors play a pivotal role in determining the overall expenses associated with surrogacy arrangements.

1. Medical Procedures and Treatments: The complexity and number of medical procedures, such as in vitro fertilization (IVF) treatments, embryo transfers, and prenatal care, significantly impact the overall cost. The type of surrogacy chosen, whether traditional or gestational, also affects the medical interventions required.
2. Legal and Administrative Fees: The legal framework surrounding surrogacy necessitates the drafting of contracts, documentation, and adherence to regulatory requirements. These legal and administrative processes contribute to the overall expenses.
3. Surrogate Compensation: While commercial surrogacy is not allowed in India, surrogate mothers are entitled to receive reimbursement for medical expenses and other pregnancy-related costs. The amount of compensation provided to the surrogate is a significant component of the overall cost.
4. Medical Facilities and Infrastructure: The choice of medical facility and its technological capabilities play a role in determining costs. Advanced medical facilities equipped with cutting-edge technology may have higher associated expenses.
5. Geographical Location: The cost of living and the overall infrastructure of Chandigarh impact the cost of surrogacy. Facilities located in prime areas with higher costs of living might translate into higher expenses for intended parents.
6. Surrogacy Center Reputation: Established and reputable surrogacy centres might charge higher fees due to their experience, success rates, and comprehensive services. However, they could also provide more value in terms of medical expertise and support.
7. Additional Services and Support: Certain surrogacy centres may offer additional services such as psychological support, counseling, and accommodation arrangements for intended parents. These supplementary services can contribute to the overall cost.
8. Unforeseen Expenses: Surrogacy, like any medical process, can have unexpected developments that require additional expenses. For such situations, it is essential to be ready.

Surrogacy Cost in Chandigarh 2023-2024

The cost of surrogacy in Chandigarh can range widely, usually falling between INR 10 lakhs to INR 20 lakhs or more. This cost includes medical procedures, legal expenses, surrogate compensation, prenatal care, and other associated costs. It's important to note that these figures are approximate and can vary based on individual circumstances and medical requirements.                                                                                       

Tips to Manage Surrogacy Expenses

Managing surrogacy expenses requires careful planning and financial considerations:

1. Budgeting: Create a detailed budget outlining all potential expenses, including medical treatments, legal fees, surrogate compensation, and unexpected costs.
2. Research: Thoroughly research and compare different surrogacy centres in Chandigarh to find a reputable and cost-effective option.
3. Financial Planning: Explore financing options such as personal savings, loans, or assistance from family and friends.
4. Insurance Coverage: Check if any medical procedures or prenatal care are covered by insurance to reduce out-of-pocket expenses.
5. Transparency: Ensure the surrogacy centre provides transparent pricing information and avoids hidden costs.

Surrogacy Centre in Chandigarh 2023-2024

The best low-cost surrogacy centres in Chandigarh offer affordable yet high-quality options for individuals or couples looking to start a family through surrogacy. Here are some centres:

Cosmo Hospital, Maternity & Multi Speciality ( Best-Low Cost Surrogacy Centre in Chandigarh) 

• Address: Mohali Bypass, Sector 62, Sahibzada Ajit Singh Nagar, Punjab 160062
• Surrogacy Doctors: Dr. Vandna Khera (infertility specialist) etc
• Surrogacy Cost: Rs. 1,600,000
• Legal Charges: 2 lakh ( In 2023, under the governance of India, the legal charges have been updated to 2 LAKH Rupees. Additionally, birth certificates will now be exclusively issued by the Court )
• Egg Donor Cost: 65,000 to 1,50,000 (Depending on the  Egg quality)
• Egg Donor Insurance Cost: 3,500 to 4,500
• Surrogate Mother Insurance Cost: 5,500 to 10,500
• Baby DNA Report: 15000 ( it happens after baby delivery )
• Investigation Test Cost: 10,000 ( It helps in identifying the medical condition to decide on self  Egg or donor  Egg surrogacy Program )
• Services Offered: IVF, IUI, ICSI, Surrogacy, Infertility Treatments, etc.
• Rating: 4.3 / 5.0
• Fertility Success Rate: 73%
• Book Free Appointment: +91 9643264509
• Website: http://www.cosmohospital.com/

Cosmo Hospital is a renowned name in the healthcare sector of Chandigarh. The hospital offers a range of services, including maternity and fertility treatments, making it a potential choice for couples seeking surrogacy. The exact cost of surrogacy at Cosmo Hospital may vary based on individual circumstances and medical requirements. On average, the overall surrogacy expenses at such reputable centres can range from INR 10 lakhs to INR 20 lakhs or more. This figure includes medical procedures, legal fees, surrogate compensation, and other associated costs.

Jannee Fertility Centre, Chandigarh ( Best-Low Cost Surrogacy Centre in Chandigarh) 

• Address: Ground Floor, House no 320, Sector 40A, Chandigarh, 160036
• Surrogacy Doctors: Dr. Nirmal Bhasin (Infertility Specialist),  Dr. Navdeep Kaur, Dr. Shilpi Srivastava, etc
• Surrogacy Cost: Rs. 1,500,000
• Legal Charges: 2 lakh ( In 2023, under the governance of India, the legal charges have been updated to 2 LAKH Rupees. Additionally, birth certificates will now be exclusively issued by the Court )
• Egg Donor Cost: 65,000 to 1,50,000 (Depending on the  Egg quality)
• Egg Donor Insurance Cost: 3,500 to 4,500
• Surrogate Mother Insurance Cost: 5,500 to 10,500
• Baby DNA Report: 15000 ( it happens after baby delivery )
• Investigation Test Cost: 10,000 ( It helps in identifying the medical condition to decide on self  Egg or donor  Egg surrogacy Program )
• Services Offered: IVF, IUI, ICSI, Surrogacy, Infertility Treatments, etc.
• Rating: 4.2 / 5.0
• Fertility Success Rate: 74%
• Book Free Appointment: +91 9643264509
• Website: http://www.jannee.co.in/

Jannee Fertility Centre is another well-established fertility clinic in Chandigarh. The centre focuses on providing a comprehensive range of fertility treatments, including surrogacy. Like other centres, the cost of surrogacy at Jannee Fertility Centre is subject to variability. The centre's reputation, medical expertise, and state-of-the-art facilities contribute to the overall expenses. Potential parents should be prepared for costs falling within the aforementioned range.

Reviva Fertility & IVF Clinic, Chandigarh ( Best-Low Cost Surrogacy Centre in Chandigarh) 

• Address: Ground, S.C.O 50-51, 9D, Madhya Marg, Chandigarh 160009
• Surrogacy Doctors: Dr. Sandeep Cheema Sohi etc
• Surrogacy Cost: Rs. 1,700,000
• Legal Charges: 2 lakh ( In 2023, under the governance of India, the legal charges have been updated to 2 LAKH Rupees. Additionally, birth certificates will now be exclusively issued by the Court )
• Egg Donor Cost: 65,000 to 1,50,000 (Depending on the  Egg quality)
• Egg Donor Insurance Cost: 3,500 to 4,500
• Surrogate Mother Insurance Cost: 5,500 to 10,500
• Baby DNA Report: 15000 ( it happens after baby delivery )
• Investigation Test Cost: 10,000 ( It helps in identifying the medical condition to decide on self  Egg or donor  Egg surrogacy Program )
• Services Offered: IVF, IUI, ICSI, Surrogacy, Infertility Treatments, etc.
• Rating: 4.4 / 5.0
• Fertility Success Rate: 73%
• Book Free Appointment: +91 9643264509
• Website: http://www.jannee.co.in/

Reviva Fertility & IVF Clinic is recognized for its specialized fertility services. The clinic offers advanced treatments to couples struggling with infertility, making it a contender for surrogacy seekers. Surrogacy costs at Reviva Fertility & IVF Clinic, as with the other centres, encompass a spectrum of factors. The clinic's medical techniques, success rates, and personalized care contribute to the overall investment required for the surrogacy process.

Surrogate Mother Insurance 

Surrogate Mother Insurance is a crucial component of the surrogacy journey, offering protection for the surrogate's well-being and addressing potential pregnancy and childbirth issues. Typically, intended parents are responsible for obtaining comprehensive insurance for the surrogate. This insurance must encompass several key aspects:

• Maternity Expenses: Comprehensive coverage for prenatal, delivery, and postnatal care to ensure the surrogate's physical and emotional well-being.
• Complications: Insurance should extend its protection to unforeseen complications that may arise during the pregnancy or childbirth, providing financial security.
• Life Insurance: In the unfortunate event of the surrogate's passing, life insurance offers financial support to her family, helping them cope with the loss.
• Legal Support: Insurance should include provisions for legal expenses, should disputes or complications emerge during the surrogacy process. This safeguards all parties involved.

Navigating Surrogacy Costs

Navigating surrogacy costs can be overwhelming, but with careful planning and research, you can make informed decisions. Here are steps to consider:

1. Initial Consultation: Schedule an initial consultation with potential surrogacy centres to understand their services and associated costs.
2. Cost Breakdown: Request a detailed breakdown of expenses involved in the surrogacy process.
3. Legal Understanding: Gain a clear understanding of the legal aspects and potential financial implications.
4. Comparative Analysis: Compare costs and services offered by different centres to find the best fit for your needs.
5. Financial Counseling: Seek financial counseling or advice to manage the financial aspects effectively.

The Emotional Journey of Surrogacy

Beyond the financial aspect, surrogacy is an emotionally intensive journey for intended parents and surrogate mothers alike. Intended parents experience a roller-coaster of emotions, from hope and anticipation to anxiety and joy. It's essential to seek emotional support through counseling, support groups, and open communication with the surrogate mother.

Surrogacy in Chandigarh offers a glimmer of hope for individuals and couples dreaming of parenthood despite fertility challenges. While navigating the costs can be intricate, thorough research, financial planning, and emotional preparedness can help alleviate the financial burden. Remember that the journey is not just about finances; it's a profound emotional experience that requires patience, understanding, and compassion.

FAQ's (Surrogacy Cost in Chandigarh 2023-2024)

Q. What factors contribute to the cost of surrogacy in Chandigarh?
A. The cost of surrogacy in Chandigarh is influenced by several factors, including medical procedures, legal fees, surrogate compensation, medical facility choices, and the city's cost of living. The complexity of medical treatments, legal requirements, and the overall quality of healthcare facilities can impact the final expenses.

Q. What is the average cost of surrogacy in Chandigarh?
A. On average, the cost of surrogacy in Chandigarh falls within the range of INR 10 lakhs to INR 20 lakhs or more. However, this figure can vary widely based on individual circumstances, medical needs, and the specific surrogacy centre chosen.

Q. What does the surrogacy cost typically include?
A. The surrogacy cost typically includes medical expenses such as IVF treatments, embryo transfers, prenatal care, legal and administrative fees, compensation for the surrogate mother's medical expenses, and other pregnancy-related costs.

Q. Can you explain the surrogate compensation aspect of the cost?
A. In India, commercial surrogacy is not allowed. Instead, surrogates can receive reimbursement for medical expenses and other pregnancy-related costs, as altruistic surrogacy is permitted.

Q. Do surrogacy centres in Chandigarh offer payment plans?
A. Many surrogacy centres in Chandigarh understand the financial burden of the process and may offer payment plans or financing options to help intended parents manage the expenses more effectively.

Q. How can I choose the right surrogacy centre in Chandigarh based on costs?
A. While cost is a significant factor, it's essential to consider other aspects such as the centre's reputation, medical expertise, success rates, and overall quality of care. Research various centres, read reviews, and consult with professionals to make an informed decision.

Q. How can I manage the financial burden of surrogacy?
A. Creating a detailed budget, exploring financing options, seeking financial counseling, and researching cost-effective surrogacy centres are some strategies to manage the financial aspects of surrogacy.

Q. Is emotional support available during the surrogacy journey?
A. Yes, emotional support is crucial during the surrogacy journey. Many surrogacy centres offer counseling services, and support groups can provide a safe space to share experiences and emotions with others who are going through similar journeys.

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