Written By: Simran saxena

Simran saxena

Health and Term Insurance

Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

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Reviewed By: Anchita Bhattacharyya

Anchita Bhattacharyya

Health, Term & Life Insurance

Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

Updated on Jul 14, 2025 7 min read

• Whole Life Insurance

  A whole life insurance policy, as the name suggests, insures your entire life. The policy starts from the date of its commencement and goes for 99 years. It comes with fixed premiums and a guaranteed death benefit. 

  A whole life insurance policy builds a ‘Cash Value’ component, which increases over time and can be used to pay out loans or borrow a loan against it. This is because a certain amount of the premium that you pay goes into building this savings component of the whole life insurance policy. 

  Best Whole Life Insurance Plans in India in 2025

  Top Maternity Health Insurance Plans in India 2025

  Planning for a family is a significant milestone, and ensuring financial preparedness is crucial. With rising healthcare costs in India, maternity health insurance has become an essential component of comprehensive health coverage. These specialised plans cover expenses related to pregnancy, childbirth, and newborn care, providing peace of mind during this transformative phase of life.

  What is Maternity?

  Maternity is the period during pregnancy, childbirth, and the postpartum phase. Childcare is crucial for the health and well-being of both mother and child. Maternity care is essential for both mother and child. It ensures safe delivery, reduces the risks of complications, and supports the mother’s physical and emotional recovery.

  List of 5 Best Maternity Insurance Plans in India 2025

  Let us take a look at the top maternity health plans available in India

   

  Health Plans	Maternity Coverage SI	Waiting Period
  Niva Bupa Aspire Titanium+	INR 3 L to 1 Cr	9 months - 2 years
  Care Joy Maternity	INR 3 L to 5 L	9 months - 2 years
  Star Women Care	INR 5 L to 1 Cr	2 years
  Aditya Birla Activ Fit Preferred	INR 1 L to 2 Cr	3 years
  HDFC ERGO My Health Suraksha Gold Smart	INR 3 L to 5 Cr	3 years

  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

  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

  • Couples planning to start a family

    If you’re considering having a child shortly, securing maternity health insurance early is advisable. Most plans come with a waiting period ranging from 9 months to 4 years, during which maternity-related claims are not admissible.

  • Young married couples

    Newlyweds or couples in the early stages of marriage should consider maternity coverage as part of their financial planning. Early enrollment can lead to lower premiums and ensures that the waiting period is served by the time you’re ready to expand your family.

  • Women in their 20s and early 30s

    If your employer’s health insurance plan doesn’t offer maternity coverage, or if you’re self-employed, investing in a personal maternity health insurance policy is essential to avoid out-of-pocket expenses during pregnancy and childbirth.

  • Employer-provided maternity benefits are not available

    If your employer’s health insurance plan doesn’t offer maternity coverage, or if you’re self-employed, investing in a personal maternity health insurance policy is essential to avoid out-of-pocket expenses during pregnancy and childbirth.

  • Couples experiencing reproductive challenges

    For those exploring options like IVF or other fertility treatments, certain maternity insurance plans cover these procedures. It’s important to review the specifics of each policy to ensure it aligns with your needs.

  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. Get in touch with insurance experts at PolicyX for further details.

   

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