Best Insurance Plans for Pregnancy

Buy pregnancy health insurance before you plan your family. Read further to learn more about what maternity insurance can do for you!

According to the Sample Registration System (SRS) study report by the Registrar General of India (RGI), the Maternal Mortality Ratio (MMR) in India was 113 out of 1 Lakh live childbirths between 2016–18. This number is one of the highest compared to other developing countries. More than 49% of the women population in India are prone to high-risk pregnancies, as per the National Institutes of Health (NIH).

This report highlights the reality of women’s health in India, where continuous pregnancy care can be unaffordable due to skyrocketing maternity medical expenses. Maternity health insurance offers a solution for this critical healthcare need.

Maternity health insurance helps manage significant childbirth expenses. It covers the female insured member or mother-to-be for healthcare from conception to delivery and post-partum care. With the right maternity coverage, mothers can also ensure their baby's post-birth care.

This page details maternity health insurance coverage, including the best plans, inclusions, and exclusions. Read on to plan your pregnancy with an additional layer of insurance protection.

Top Health Insurance Plans for Pregnancy

Here are some standout maternity health insurance plans, detailing their eligibility criteria, sum insured options, and waiting periods. Further sections provide more features and specifications.

Key Takeaways

• Pregnancy health insurance plans cover various maternity-related expenses on a cashless basis.
• The best insurance plans for pregnancy offer benefits for pre-natal and post-natal care, delivery (normal or C-section), post-partum care, IVF treatment, and more.
• Some pregnancy insurance plans, like Niva Bupa Aspire, also cover surrogacy and adoption expenses.
• Key factors to consider before buying a maternity health plan include waiting period, coverage, sum insured, sub-limits, policy term, and exclusions.
• Maternity insurance plans also cover expensive complications related to childbirth.

Specifications of Best Insurance Plans for Pregnancy

1. Niva Bupa Aspire

   • Normal and C-section delivery
   • Pre-natal check-ups & vaccinations
   • In-vitro fertilization (IVF)
   • Surrogacy expenses (for surrogate mother)
   • Adoption cover

2. Care Joy

   • Newborn baby cover for 90 days
   • 540+ daycare procedures
   • Pre & post-natal care expenses
   • Newborn birth defects cover
   • In-patient care and hospitalization

3. Star Women Care

   • Modern treatment for oral chemotherapy, intravitreal injections, robotic surgeries, etc.
   • Star Mother Cover offers room rent for mothers during their child's hospitalization (for children over 12 years)
   • In-utero fetal surgery
   • Accidental miscarriage cover
   • Voluntary sterilization expenses
   • Surrogacy and oocyte donor expenses

4. Star Assure

   • Assisted reproduction treatment
   • Newborn baby cover & congenital care for them
   • Rehabilitation and pain management
   • In-utero fetal surgery
   • Second medical opinion and air ambulance facility

5. Aditya Birla Activ Fit (Preferred)

   • Maternity coverage up to INR 60,000, including pregnancy complications
   • Pre and post-natal care
   • Newborn baby expenses
   • IVF treatment and surrogacy expenses
   • Vaccinations of the newborn baby

How to Choose a Health Insurance Plan for Pregnancy in India?

Here are some key factors to consider before investing in pregnancy health insurance:

• Waiting Periods

  Choose a pregnancy coverage plan with a waiting period of not more than 2 years, or ideally less. A shorter waiting period allows for earlier claims. For plans with longer waiting periods, consider purchasing your maternity plan as soon as you get married or even before.

• Coverage Specifications

  A suitable and the best health insurance for pregnancy covers all medical costs related to pregnancy, delivery, pre and post-natal care, assisted reproduction treatment, childbirth complications, and more for the female insured member. Make sure you have checked these specifications in your policy documents.

• Exclusions

  There’s a high chance of your maternity claim rejection even if you have bought the best pregnancy health insurance policy available in the market. This is because policyholders often forget to verify what their maternity insurance does not cover, which healthcare facilities are excluded, or if there are hidden clauses like co-pay, deductibles, or sub-limits. So, check your coverage terms and conditions before policy purchase.

• Policy Cover Term

  Long-term health insurance with maternity coverage is suitable for those who are not sure when to plan their family. One must choose pregnancy insurance with a minimum policy period of 3 to 4 years.

• Network Hospitals

  Check the detailed list of hospitals in the network with your insurance company so that you don’t have to run to and fro when there’s an emergency. It’ll also help you get hospitalized at the nearest networking health centre or hospital, whichever is closer. Also, be aware of blacklisted hospitals and nursing homes, as admission to these may cause claim issues.

What Are the Inclusions of Pregnancy Health Insurance?

The best health insurance plans for maternity cover various medical and hospitalization expenses related to pregnancy, pre-natal, and post-natal care.

Below is a list of what medical insurance for pregnancy in India typically covers for insured women:

• Delivery costs
• Pre-natal and post-natal care
• Vaccinations
• Newborn baby cover
• Daycare procedures
• Hospitalization (room rent, ICU, etc.)
• IVF (if specified)
• Surrogacy (if specified)
• Ambulance charges
• Complications due to accidents, etc.

What Does an Insurance Plan for Pregnancy Not Cover?

While maternity insurance offers various inclusions, it also has pre-set exclusions. Below is a list of common exclusions under medical insurance for pregnancy in India:

• Pregnancy occurring during the waiting period
• Cosmetic or beauty treatments
• Tonic and vitamin expenses
• Consultation and/or diagnostic charges
• Pre-existing conditions
• Congenital diseases or external anomalies
• Infertility or sterility treatments, etc.

Connecting the Dots

The costs associated with pregnancy and maternity care have become a significant financial burden for many, not just in India but globally.

Pregnancy health insurance helps manage costs and ensures the well-being of both mother and newborn before, during, and after childbirth. It covers various maternity expenses, allowing parents to focus on the joys of parenthood without financial worries.

Not sure about buying pregnancy health insurance yet? Get free guidance from trusted advisors on health insurance plans that cover pregnancy in India. Call our experts at 1800-4200-269 now to get answers to your questions about the best maternity insurance plans.