Written By: Anshika Ojha

Anshika Ojha

Health Insurance

Anshika Ojha is a content writer with more than 2 years of experience and holds expertise across various formats of content. She focuses on simplifying health insurance jargon and making it easy for readers to understand.

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Reviewed By: Raj Kumar

Raj Kumar

Health Insurance

Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Updated on Dec 01, 2025 7 min read

Why You Need Maternity Health Insurance in 2025

Maternity health insurance is a necessity in 2025, mainly due to rising expenses on medical bills. Other reasons why you must invest in maternity health insurance are

• Comprehensive coverage

  The maternity health cover includes Prenatal and postnatal care, hospitalisation for normal and cesarean deliveries, newborn baby cover for the first 30 to 90 days, and other features.

• Shorter Waiting Periods

  Investing in the ideal maternity coverage means shorter waiting periods as low as 9 months. Many health insurers offer maternity health plans for up to 2 or 3 years. Select your maternity health plan carefully and

Features Of The Top 5 Maternity Insurance Plans

You must know about the best maternity health insurance plans before buying one. Let us take a look at the features of the top 5 maternity insurance plans

1. Niva Bupa Aspire Titanium+

   • Locks your premium at the age of entry, ensuring it remains unchanged over time.
   • Offers flexible waiting periods of 9, 12, 24, or 48 months, catering to different planning timelines.
   • The plan offers unutilized base sum insured can be carried forward up to 10 times, depending on the entry age of the policyholder.

2. Care Joy Maternity

   • Covers prenatal and postnatal expenses
   • Newborn baby cover up to 90 days
   • Available in two variants: Care Joy Today and Care Joy Tomorrow

3. Star Women Care

   • Covers assisted reproductive treatments (ART)
   • Includes coverage for miscarriages due to accidents
   • Offers unique benefits like open fetal surgery and surrogacy expenses

4. Aditya Birla Activ Fit Preferred

   • Offers a high sum insured of up to INR 2 Crores
   • Covers pre- and post-natal expenses, newborn baby care, vaccinations, and stem cell preservation
   • Provides 100% refill of the sum insured an unlimited number of times in a policy year, starting from day one.

5. HDFC ERGO My:Health Suraksha Gold Smart

   • Covers hospitalisation expenses related to childbirth, including both normal and cesarean deliveries
   • Covers medical expenses for the newborn baby, including necessary vaccinations
   • Provides coverage for infertility treatments, supporting families facing challenges in conception

Who Should Buy a Maternity Health Insurance Plan?

Maternity health insurance plans are ideal for

How to Buy a Maternity Health Insurance Plan?

• Step 1

  Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.

• Step 2

  Click on ’Get free quotes’ and compare Star Health Insurance Plans as per your needs.

• Step 3

  Select and pay premiums online for the purchased star health insurance plan of your choice.

• Step 4

  Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Star Health Insurance plan.

How To File A Claim For The Best Maternity Insurance Plans

Filing maternity health insurance claims might seem confusing but in reality, it is an uncomplicated process. All you need are your essential documents, prescriptions, medical reports, etc., and follow the steps below:

• Step 1

  Visit the PolicyX, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.

• Step 2

  Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.

• Step 3

  Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.

• Step 4

  Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.

• Step 5

  Upload the documents asked and click on the "review" button.

• Step 6

  After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

The Final Verdict

Selecting the right maternity health insurance is a pivotal step for individuals and families planning to welcome a child in 2025. Health plans, including Care Joy, Star Women Care, Niva Bupa Aspire, Star Women Care offer comprehensive coverage tailored to diverse needs. These plans encompass essential benefits like coverage for normal and cesarean deliveries, pre and postnatal care, newborn expenses, and even advanced treatments like IVF and surrogacy.

However, before selecting a maternity health plan, ensure to compare and analyse coverage features carefully. Go in for maternity insurance plans with no waiting periods if you are planning your pregnancy soon. Get in touch with insurance experts at PolicyX for further details.

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