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  • Top 10 maternity plans
  • Coverage for up to 2 deliveries
  • Cover Pre and Post-natal expenses
Best Maternity Insurance Plans
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Maternity Health Insurance

Giving birth to a child is the most valuable experience for a woman where she sails through myriads of new experiences and emotions. While the happiness in carrying a baby can't subside with anything in the world, sometimes the financial aspect incurred during the pre & post-natal period can become a hindrance in this magical journey. The average cost to deliver a baby is around Rs. 45,000 to Rs. 75,000, and the cost of cesarean deliveries has risen to Rs. 2 lakhs in most metro cities in India. Therefore, maternity insurance is a great means to ensure that there are no roadblocks in the nine-month magical journey.

Maternity insurance is one of the underrated categories of insurance which people generally neglect, but if looked closely then this can really help the to-be-parents in managing a huge chunk of finances throughout the journey. Maternity insurance provides coverage for all the expenses associated with childbirth up to a certain period.

Best Maternity Health Insurance Plans in India 2023

Choosing a suitable plan for maternity can require a lot of juggling of available plans in the insurance market. Some of the cruicial factors that should channelize your decision in choosing the right plan should include, inclusion of pre and post hospitalization expenses, pre and post natal expenses, delivery charges and inpatient hospitalization, vaccination cover, newborn coverage in your maternity plan. Here is a list of Best Maternity Insurance Plans available in India which can help you enjoy a financially stress-free pregnancy:

  • Aditya Birla Activ Health Platinum
  • Bajaj Allianz Health Guard
  • Care Joy
  • Chola Healthline Plan
  • Future Generali Health Total Policy
  • ICICI Lombard Complete Health
  • Kotak Health Care
  • NivaBupa Health Premia
  • SBI Arogya Supreme
  • Star Comprehensive Plan

A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.

Unique Benefits

  • Chronic illness cover
  • Modern treatments covered
  • Double coverage

A plan with 3 variants offering up to 1 Cr SI. It covers expenses incurred during hospitalization resulting from serious illness or accident.

Unique Features

  • Avail Discounts
  • Maternity cover available
  • Organ Donor expenses covered

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Joy (Pros)

  • 2 Plan Variants
  • Maternity Plan
  • New Born Baby Cover
  • Day Care Treatment
  • Modern Treatment Cover

Care Joy (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Joy (Other Benefits)

  • Long term discount
  • Congenital Disease Cover
  • 100% increase in SI
  • Ambulance Cover
  • Lifelong Renewability

Care Joy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 3 L/5 L
  • Waiting Period - 30 Days

Chola Healthline Plan

An ideal option if you are looking for coverage for yourself, your spouse, and your children. The plan offers four smart health insurance solutions.

Unique Benefits

  • Lifelong renewal available
  • One-time premium payment
  • Maternity cover available

Future Generali Health Total Policy

A comprehensive health insurance plan that provides coverage against medical expenses. Moreover, the plan also looks after your overall well-being.

Unique Features

  • Coverage for Mental Illness
  • E-opinion for illness or injury
  • Maternity Expenses covered

A comprehensive health insurance policy that covers you and your family with SI of up to 50 lakhs. Provides additional benefits as well.

Unique Features

  • Available in 4 different variants
  • 100% Automatic Restoration of SI
  • Riders for enhanced coverage

Kotak Health Care

Kotak Health Care protects you and your family financially against medical emergencies. The plan comes in three variants- Excel, Platinum and Prime.

Unique Features

  • Enhanced coverage
  • Free Annual Health Check-ups
  • Lifetime Renewability

A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.

Unique Features

  • Maternity Cover
  • International coverage
  • In-Built travel insurance

NivaBupa Health Premia (Pros)

  • Refill benefit for any illness
  • 10% Loyalty Additions in SI
  • Tenure Discounts of upto 15 %
  • Worldwide Maternity Benefit
  • In-patient care

NivaBupa Health Premia (Cons)

  • No OPD Cover
  • No HIV/AIDS Covered
  • 20% co-payment
  • Pre-existing Diseases after 2 yrs
  • Treatment for Alcoholism

NivaBupa Health Premia (Other Benefits)

  • Zonal Coverage available
  • Pharmacy and diagnostic services
  • Opt for additional features
  • Living Organ Donor Benefit
  • Premium waiver and portability

NivaBupa Health Premia (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health check-ups for claim-free years
  • Hospital Cash Benefit
  • 100% Automatic Restoration

What is Maternity Health Insurance?

Maternity insurance is a type of health insurance that is designed to offer comprehensive coverage to a woman and helps her prepare in advance for the financial requirements of growing a baby. Such plans are designed to cover medical expenses incurred during pregnancy like delivery expenses, hospitalization, pre & post-natal care, medical tests, medicines and other newborn baby expenses.

What makes Maternity Benefits so Important for Young Couples?

Maternity covers are either offered as separate optional covers or are already included in a health insurance plan. A good maternity plan includes pre and post-natal care of a mother and a child. It includes pregnancy cover, newborn baby cover, and also congenital disease cover. Maternity health insurance cover provides financial security for women and couples who are expecting a child and want to expand their families. Maternity cover includes hospitalization, doctor visits, medication cover, delivery expense cover, and more. The maternity health plan also includes newborn baby coverage, as well as various discounts depending on the plan a couple invests in. Maternity health insurance is a valuable asset that couples must invest in as they can use it as a financial safety net in the event of family planning without draining their life savings.

The maternity plan includes in-patient care, daycare treatments, ambulance coverage, maternity coverage, newborn baby coverage, newborn birth defects, room rent, and other benefits. Maternity Health Insurance is an ideal option for those who are looking forward to starting a family and do not want the financial stress of bringing new life into the world. The medical expenses for a normal delivery as well as C-sections are getting expensive year after year which is why it is vital for young couples to invest in a good maternity health insurance plan.

Who Should Opt For It?

Maternity Health Insurance is ideal for anyone who plans on expanding their family and wants to welcome a newborn into the world and complete their family. Giving birth and becoming parents is one of the most important events in anyone's life. Precious moments like these must be spent stress-free and without any financial worries. The maternity health insurance plans are best suited for

  • People who have recently gotten married and want to plan a family after a certain time period. When the time comes a maternity health insurance plan will play a vital role in taking away the financial stress from the shoulders of the would-be parents.
  • Couples who want to plan for a second child must invest in a good maternity health insurance plan in order to lower the burden of expensive hospital visits and delivery costs in order to save their corpus for their extended family.
  • Couples who want to plan a child in the near future must look at viable maternity health insurance plans in order to be better prepared for their newborn baby.

Know More about Maternity Insurance

Now that we have covered why maternity insurance plans are important to invest in, let us understand why it is deemed so important for young couples to invest in a maternity health insurance plan.

  • The rising cost of delivery
    With medical treatment prices increasing in every field of medicine, childbirth, pre, and post-natal care for a mother is essentially at an all-time high. Therefore, investing in maternity health insurance is a smart move in order to avoid draining your life savings.
  • Extended New Born Baby Cover
    Most maternity health insurance plans offer newborn baby cover which covers your newborn up to 90 days or more from the date of birth depending on the plan for any medical complications and required vaccinations. This allows the new parents to unwind and get in the groove of becoming a new parent as well as not stress about their new born baby vaccinations or any other medical complications.
  • Financial Cushion
    Maternity Health Insurance plans offer a financial cushion for expecting parents and saves their hard earned money from being spent on just hospital bills and doctor visits or medications.

Benefits of Maternity Insurance

Maternity insurance, generally, comes as a standalone policy and also comes as a benefit or add-on rider with general health insurance in individual and family floater plans. This insurance covers all maternity-related expenses such as delivery, both options, normal and cesarean, and other medical expenses including nursing, room charges, doctor consultation, anesthetist charges, and surgeon's fees. Moreover, the maternity benefit covers the treatment taken for complications in the pregnancy or medically necessary termination, in case required.

The maternity insurance is proven to be supportive post the birth of the baby. It pays for expenses arising out of hospitalization charges of the newborn baby due to any medical complications, vaccination charges, fertility issues of the mother usually up to 90 days from the date of delivery. This add-on benefit can be opted for both the first or second time of having a child by the policyholder.

Premium & Waiting Period

However, the real question arises when one should take maternity policy. Though a maternity plan can be bought at the time of pregnancy but the benefits can't be claimed as maternity plans come with a good time of waiting period ranging from 9 months to 48 months, depending upon the company. In fact, most insurers don't provide maternity insurance plans at the time of pregnancy as it is considered a pre-existing disease category.

The premium payable on a maternity insurance policy is relatively higher than a regular health plan. The certainty of a claim being filed under the policy is absolute, hence, the insurers levy a higher premium on these policies. Therefore, when one decides to buy such coverage, it is recommended to undertake a detailed cost-benefit analysis between different plans offered by various insurance providers. It is crucial to remember that as one grows older, the premium for maternity insurance increases. And top of everything, maternity insurance plans are worth buying considering the escalating cost of pregnancy-related expenses.

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What is Covered under Maternity Health Insurance?

  • Delivery Cost, which covers both normal and caesarean deliveries.
  • Prenatal and postnatal, which covers prescription drugs, physician fees, checkups, and ultrasounds.
  • Newborn Coverage protects the healthcare needs of a newborn child.
  • Vaccinations for a newborn baby are also covered.
  • ICU & Room Rent.
  • Pays for specialised medical procedures that don't need a full day at the hospital.
  • Covers the cost of an emergency ambulance.

How to Raise a Claim for Maternity Health Insurance

With a maternity health insurance policy you can avail of a cashless treatment at any of the network hospitals that fall into the list hospitals of your insurer. If you get admitted in a non-network hospital, you can avail the treatment and settle the cost from your pocket. Later, you can apply for a reimbursement claim from the insurance company. Maternity health insurance policies are generally pregnancy insurance policies and you might not be able to get admitted in the particular network hospital due the less available time at the time of delivery. Therefore, reimbursement claims can come in handy. You need to submit some documents while filing for a maternity insurance claim. The list is as follows:

  • Duly filled claim form
  • Hospital discharge documents
  • Hospital bill
  • Policy document
  • Pharmacy bill
  • Fitness certificate and all the other documents asked by your particular insurer.

How to Buy Maternity Health Insurance

Maternity insurance covers the medical costs that arise out of maternity issues and procedures such as delivery of a newborn, post delivery medication and procedures, sometimes the new born baby, pregnancy related products and regular gynecologist visits. Buying a perfect pregnancy insurance plan can be confusing as there are a number of options available to choose from. Nevertheless, the basic criteria to scrutinize the best policy for maternity health insurance remains the same. Go through the following points to know how you can ensure landing up with a remarkably potent maternity insurance policy.

i) Coverage

The policy that you choose should be inclusive of all the maternity related procedures. Maternity procedures require a good amount of expenses and if there are any complications involved then the hospital bills can blow off the roof. Therefore, it is advised to go for a maternity insurance policy that covers hospital expenses, doctor visits, tests, pregnancy related commodities, and your newborn for up to 90 days.

ii) Waiting Period

Choose a maternity policy that comes at par with your plans to have a baby. Maternity health insurance comes with longer waiting periods such as 2 to 4 years. Therefore, it is advised to buy a pregnancy insurance policy long before you plan a pregnancy.

iii) Sub-limits

Usually, maternity insurance comes with a sub-limit. A sub-limit means that only a pre-decided amount will be borne by the insurance company, any exceeding expenses will have to be paid by you. Usually, the sub-limits for normal deliveries lie between 15,000 to 25,000. For cesarean deliveries, the sub-limit lies between 25,000 to 50,000.

What is Not Covered under Maternity Health Insurance?

  • In-vitro fertilization.
  • Ectopic pregnancy.
  • Treatment costs for premature termination of pregnancy.
  • Costs related to tonics, vitamins, or related supplements.
  • Late pregnancies above 45 years of age.

Maternity Insurance :FAQs

1. When is the best time to buy Maternity Insurance?

Most of the maternity insurance plans come with a waiting period, which means the maternity-related expenses would not be covered. So, it is recommended that all newly wedded couples should opt for it and plan pregnancy accordingly.

2. Do all insurance companies offer Health Insurance with Maternity coverage?

Usually, pregnancy, birth, and post-natal care are not covered under a standard family health insurance policy. However certain companies offer Health Insurance with Maternity coverage as an inbuilt or an add-on feature. Therefore, for a plan with maternity insurance coverage, you can get in touch with your insurance company provider for the same.

3. Which is an ideal maternity insurance policy in India?

Well, it depends on your needs and requirements. Every maternity insurance plan comes with certain unique features which may or may not suit your requirements. Therefore, go through your chosen policy documents and choose your ideal maternity plan.

4. Do maternity insurance plans cover cesarean delivery as well?

Yes, maternity insurance plans in India offers coverage against the expenses incurred during the delivery of a newborn baby, be it a normal delivery or cesarean delivery.

5. What do the Best Maternity Insurance plans cover?

It covers 30 days pre-hospitalization and 60 days post-hospitalization expenses, normal and C- section delivery expenses, hospitalization expenses related to nursing, room rent, OT charge, anesthetist fees, and doctor's fees.

6. What is the waiting period to get the best maternity insurance plans?

Generally, when we talk about maternity insurance, the waiting period lies between 9 months to 6 years. Therefore, it is important to maintain a proper balance between your budget and the maximum waiting duration before it gets important for you to claim the insured amount for expenses related to pregnancy.

7. Can I get maternity insurance while pregnant?

Most insurance companies do not provide maternity insurance if you are already pregnant. This is because they consider your pregnancy as a pre-existing condition and is beyond the policy cover.

8. How do I claim maternity expenses?

The documents that you need to claim maternity expenses are:

  • Claim form
  • Policy Documents
  • Admission Advice
  • Fitness certificate
  • KYC documents
  • Consultation bill
  • Original hospital bill

9. Is there any Maternity Insurance coverage with No Waiting Period?

No, all maternity health insurance come with a certain waiting period which may vary from insurer to insurer. Be it a specialized maternity health plan, or a rider, you need to fulfil the waiting period before availing of the benefits.

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Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.