Introduction
Egg donation and surrogacy are life-changing opportunities for Indian intended parents, but they also involve significant financial commitments. Understanding the costs and planning strategically ensures that families can embark on their journey with confidence. This guide outlines the costs, financing options, and strategies to help Indian families manage expenses without compromising on care.
Understanding the Costs of Egg Donation
• Egg Donor Compensation – $6,000–$15,000 per cycle.
• Medical Costs (IVF) – $12,000–$18,000.
• Medication Costs – $4,000–$6,000.
• Legal Fees – $3,000–$6,000 for contracts.
• Total Egg Donation Cycle – $25,000–$45,000.
Understanding the Costs of Surrogacy
• Surrogate Compensation – $50,000–$60,000 in the USA.
• Agency & Legal Fees – $20,000–$35,000.
• Medical & IVF Costs – $25,000–$35,000.
• Insurance – $20,000–$40,000 if not already covered.
• Total Surrogacy Journey – $120,000–$150,000.
Financial Planning Steps
1. Set a Budget Early:
– Decide between egg donation only, or egg donation plus surrogacy.
– Factor in travel, time off work, and legal fees.
2. Check Insurance Coverage:
– Some U.S. states mandate IVF coverage.
– Review policies for maternity care during surrogacy.
3. Explore Financing Options:
– Fertility loans through specialised lenders.
– Medical credit cards (Care Credit, Future Family).
– Payment plans offered by agencies.
4. Consider International Options:
– Surrogacy in Canada or embryo programs in India may reduce costs.
– Must weigh savings against travel and legal complexities.
5. Plan for Unexpected Expenses:
– Complications, multiple transfers, or extra legal work.
– Always keep a 10–15% contingency fund.
Savings Strategies for Indian Parent
• Start a Dedicated Fertility Fund – automated savings account.
• Employer Benefits – some tech and finance companies now cover IVF/surrogacy.
• Family Contributions – many Indian families pool resources.
• Tax Planning – some medical costs may be deductible in the U.S.
Case Study – Financing Parenthood
Amit and Rina, Indian parents in California, planned for surrogacy using both savings and a
fertility loan. They budgeted $120,000 but faced $10,000 in unexpected medical costs.
Thanks to their contingency fund, they completed their journey without financial strain.
They welcomed a baby girl, proving that careful planning makes even large expenses
manageable.
Testimonials
“We thought surrogacy was out of reach, but payment plans made it possible.” – P.K., Parent, TX
“Pooling family resources was difficult to discuss, but it gave us our son.” – A.S., Parent, NJ
FAQ
Q: Can insurance cover egg donation or surrogacy?
A: Rarely, but some states require IVF coverage. Surrogacy maternity insurance may be
purchased separately.
Q : What’s the cheapest option?
Ans : Frozen donor eggs and surrogacy abroad (Canada/India) may cost less, but involve more
complexity.
Q : How much should we save before starting?
Ans : At least 50% of projected costs, with financing for the rest.
Q : Are there tax deductions?
Ans : Yes, some IVF and surrogacy medical costs are deductible under U.S. tax law.
Conclusion & Call to Action
Financial planning is the foundation of a successful egg donation or surrogacy journey. With
budgeting, insurance, financing, and family support, Indian parents can pursue their dreams
without overwhelming financial stress.
Take the first financial step today:
• Call 212-661-7177
• Email info@indianeggdonors.com
• Apply at IndianEggDonors.com
Dr. Pooja Patel
Dr. Pooja Patel is a Chief Surrogacy Coordinator at Surrogacy4all. She has 10 years of experience in Anesthesiology and critical care medicine.
She received her medical degree from Seth GS Medical College and K.E.M Hospital in India. She then completed an internship. She finished her Anesthesia residency at Grant Govt Medical College and JJ Group of Hospitals in India.
- Dr. Pooja Patelhttps://blog.indianeggdonors.com/author/dr-pooja/
- Dr. Pooja Patelhttps://blog.indianeggdonors.com/author/dr-pooja/
- Dr. Pooja Patelhttps://blog.indianeggdonors.com/author/dr-pooja/
- Dr. Pooja Patelhttps://blog.indianeggdonors.com/author/dr-pooja/
