Planning to have a baby through surrogacy IN CANADA
Congratulations, that’s great news! Here’s what you need to know about our way of supporting you through this journey.
Who Is Covered by This Policy?
A baby that is born via surrogacy can be covered by the insurance of the intended parents, as long as the pregnancy developed from one transferred embryo and if their policy started at least one month prior to the embryo transfer.
Even better, there will be no waiting period to your newborn’s coverage under the policy we provide!
Keep in mind, the coverage must consecutively remain active at the time of birth and throughout the newborn’s coverage period and in any case no less than 10 months. Your newborn’s coverage can stay in force for a maximum period of 6 months from the date of birth and may be extended, subject to Medical Underwriting. Please note routine expenses during the first 24 hours following the childbirth are excluded.
Your newborn’s policy will be issued from the time of birth until your family returns to your Country of Origin.. At that time your baby will be registered in your home country’s social medical services or other health insurance solutions are set up.
LET US HELP PROTECT YOUR FAMILY
Canada is one of the safest surrogacy destinations, and we are happy to play our part in making it happen.
Why Choose Baby Shield
Majority of Baby-Shield founders are proud parents to babies born through gestational surrogacy in Canada. They established Baby-Shield to solve an acute lack of insurance solutions, which often kept Intended Parents (IPs) from starting or completing their Canadian journeys.
HAVE A STABLE BACK
Baby-Shield is led by experts in the world of surrogacy and insurance, and proudly supported by DavidShield, one of the world’s most advanced insurance providers for international expats.
WE SEE SUCCESS
We want to encourage more IPs to choose Canada as their surrogacy destination. With its altruistic and collaborative models, and stable legal structures.
WE PROVIDE SOLUTIONS
Going through surrogacy journeys in Canada, could not find insurers who were willing to work with them on their needs, and ensure both parents, as well as babies, and assume whichever risks necessary, to ensure great IPs like yourselves could make their family dreams come true.
BECAUSE WE CARE
We managed to find an insurer that agreed to go further than any other insurer, and take on risks that no other insurer was willing to take on, so that you and your baby are fully safe and protected.
Q&A
It doesn’t apply to babies born via surrogacy.
Premature births and other complications will be covered for the direct expenses
for the newborn only and not for the surrogate.
However, normal childbirth expenses during the first 24 hours are not covered.
The policy maximum is $5,000,000 USD. The benefit for congenital anomalies is separate and limited to $500,000 USD.
Premature birth is covered and any missing premium due to this gap must be bridged according to individual rates.
Extra premiums will not apply to eligible newborns born via surrogacy.
There are a few simple conditions for insurability guarantee:
– Both intended parents need to be insured from one month prior to the embryo transfer. Single intended parents can also be guaranteed insurability under different rules.
– Coverage must remain in force for both intended parents for at least 10 months and as long as the newborn is insured.
– Insurability is guaranteed for one embryo transfer only. A single embryo that splits is guaranteed insurability.
– Eligibility for the policy will be determined upon activation of the insurance policy and you will receive a document which confirms and guarantees the newborn’s insurability.
DavidShield will work directly with any hospital to provide a Guarantee of Payment and avoid any interim financing.
Should the newborn need coverage after the family’s return to their country of origin, until they organize their health solutions, they may extend the coverage for up to 6 months after the newborn’s date of birth.
You can access the Table of Benefits for all covered expenses.
Yes, NICU is covered when medically necessary.
You may choose to cancel at any time and any unused premiums will be reimbursed.
Either Intended Parent may contact our Customer Service Department and a representative will contact you to add the newborn for an additional premium.
Claims can be paid using your DavidCard via the smartphone app or on a reimbursement basis