Yes – in Kinpath’s programs, the surrogate’s pregnancy is insured and that coverage applies to the baby she carries, regardless of your sexuality, gender, or family structure.
How insurance works in Kinpath journeys?
- Kinpath provides health insurance for the surrogate that covers her pregnancy and the baby she is carrying until the baby is discharged from the hospital.
- This coverage is for the surrogate as the insured patient, and the baby is covered as part of her pregnancy and delivery care during the hospital stay.
What happens at birth and discharge?
- The legal process is structured so that the surrogate is never listed as the parent on the birth certificate; only the intended parents’ names appear.
- Once the baby is discharged from the hospital, the surrogate’s insurance no longer applies to the child, because the surrogate is not the legal parent or policyholder for that baby.
Your responsibility for the baby’s insurance?
- From discharge onward, the baby is legally and financially your child, and you must either:
- Add the baby to your existing health insurance policy, or
- Take out a new health insurance policy for the baby in your home country.
- As a general rule, you should not need health insurance in the surrogacy country for the baby during the waiting period for the passport and your return home.
Why foreign baby insurance is hard locally?
- It is typically very difficult to obtain local health insurance in the surrogacy country for a newborn who has foreign citizenship and is a non‑resident.
- It is especially challenging before the baby is formally recognized with that foreign citizenship, so intended parents should plan coverage through their home‑country system rather than relying on local policies.
Update for 2026
- In Colombia we were previously able to get insurance coverage provided that the child was born 9 months or later after the health insurance commenced. We used a rule of thumb that the embryo transfer could not occur until after the surrogate had taken out health insurance.
- In late 2025, and continuing through 2026, the insurance companies have changed their eligibility criteria. Now the period of time that must elapse between commencement of the health insurance policy and birth of the baby is 11 months.
- The consequence is that we will have to delay the embryo transfer in each instance to ensure that we will meet the 11 month qualifying period. We cannot put all surrogate candidates on an insurance policy. We only register a surrogate on an insurance policy when she has been fully screened by the relevant clinic.
- In circumstances where the baby is born before the 11 month period the insurance company is charging a flat fee of €2.500 to cover the birth and hospital stay.
