about IVF & Surrogacy
Can I insure a surrogate who is living in Australia but who may not yet have permanent residency status?
Yes, but the cover may be limited to within Australia only until the permanent residency is achieved and the policy terms and conditions are updated to reflect this.
Does my surrogate need to have a face-to-face meeting with an adviser to get insurance in place?
No. Surrogates do not need to meet for a face to face meeting with us. We use modern business systems so we can work with our clients remotely over email, phone or video chat - whatever is best for them.
Is having a Genetic Test a problem when applying for Life Insurances?
Some people may have been put off from having a genetic test and missing a diagnosis and possible treatment for serious illnesses, such as cancer, because of concerns the results of the test may exclude them from obtaining insurance cover.
Life insurers are currently banned from requiring applicants for insurance to disclose the results of any genetic tests they may have and this ban will last until June 30th 2024 when it will be reviewed.
Is your surrogacy life insurance service confidential?
Our highly confidential service is the reason why most people with complex health conditions and high privacy needs only use the experts behind Unusual Risks Insured.
What is the insurance Duty of Disclosure?
Under the duty of disclosure, a person applying for insurance must disclose relevant information to the insurer before a contract is entered into.
A person applying for insurance must:
fully and completely answer all the questions on the proposal form
answer questions asking for detailed information precisely, and
include additional information if a ‘tick the box’ question does not offer an answer that applies to the person’s situation
When should I start the insurance application for my Surrogates insurance policy?
Everyone's personal situation is different so getting a life insurance policy in place can sometimes be unexpectedly complicated by delays in collecting historical health information.
As a result we always recommend applying for cover at least 6 months before the medical procedures for the pregnancy have begun, to allow for assessments and unexpected delays in collecting past medical histories etc.