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Best Maternity 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.

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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Top 9 Best Maternity Insurance Plans

Here is a list of the 9 Best Maternity Insurance Plans which can help you enjoy a financially stress-free pregnancy:

  1. Edelweiss Complete Health Insurance

    This plan offers two deliveries or lawful termination of pregnancy during the first 12 weeks from the date of conception. The insured gets coverage for all medical treatment expenses traceable to childbirth including complicated deliveries and cesarean sections that are incurred during hospitalization. Besides, the policy gives a maximum benefit of Rs. 50,000 under Gold Health Insurance Option and Rs. 2,00,000 under Platinum Health Insurance Option as maternity benefit to cover medical expenses. The waiting period of this plan is 48 months.

  2. Bharti AXA Smart Super Health Insurance

    This plan offers medical coverage for two deliveries or medically recommended lawful pregnancy termination after completion of a 9-month waiting period. Maternity coverage is only available in a family floater plan and is applicable only to the insured who has chosen the policy term of 3 years.

  3. Reliance General Group Mediclaim Insurance

    Reliance General Group Mediclaim Insurance provides maternity cover as a value-added benefit. It offers one-day cover for maternity expenses for both normal and cesarean delivery. The policy does not have any waiting period to start availing of the benefits.

  4. Universal Sompo Complete Health Insurance

    This health care plan comes with a three-years waiting period and covers medical expenses for two deliveries or lawful pregnancy termination. This includes complicated deliveries and cesarean sections that are incurred at the time of hospitalization. Maternity benefits are available in two of the variants of the policy which are Essential and Privilege.

    The policy covers up to Rs. 15,000 (Normal delivery) and up to Rs. 25,000 (Cesarean delivery) under the Essential option whereas the Privilege option covers up to Rs. 25,000 for normal delivery and up to Rs. 50,000 for cesarean delivery. Both the variants offer coverage for pre and post-natal expenses up to Rs. 2,000.

  5. Magma HDI One Health Policy

    This comprehensive health care plan offers maternity benefits in its Premium variant. It offers coverage for medical expenses involved in pregnancy up to Rs. 1,00,000. The plan provides financial coverage in case of normal as well as cesarean delivery.

    Considering the maternity benefits and features offered by various companies and in their health plans, one can take a sigh of relief from the financial burden. Compare the top maternity covers and choose the one, fulfilling all your requirements to experience cheerful pregnancy. Enjoy this beautiful phase of life to the fullest.

  6. Care Joy Plan

    Joy Health plan is a specially designed maternity plan that offers coverage to expecting mothers and their newborns. The prime objective of this plan is to give maternity coverage to the parents at an affordable premium and reduce the couple's financial worries for delivery-related expenses.

    The Care Joy comes in two variants, that offers different benefits and gives the customer a choice to choose as per their needs and requirements. The 2 available variants are:

    • Care Joy Today
    • Care Joy Tomorrow
  7. Know More About: Care Joy Plan
  8. Niva Bupa Health Premia

    Health Premia is a comprehensive health insurance plan that covers all the health needs of you & your family including maternity & new-born baby coverage. The plan ensures that you get the best possible health coverage in the market, and comes in three variants- Silver, Gold & Platinum. The policy gives a maximum benefit of Rs. 60,000 under Silver variant, Rs. 1,00,000 under Gold variant & Rs. 2,00,000 under Platinum variant.

  9. Star Comprehensive Plan

    Star Comprehensive is a complete health insurance plan that looks after all the healthcare needs of you and your family. The plan offers the necessary financial protection at a time of medical emergency. Above all, the plan also offers the coverage of up to Rs. 50,000 & Rs. 1,00,000 for normal & caeserean deliveries respectively. The pla ensuresyou or your family doesn't have to worry about the expenses.

    Know More About: Star Comprehensive Insurance Policy

  10. Bajaj Allianz Health Guard Family Floater Health Insurance Plan

    The plan offered by Bajaj Allianz is a family floater plan that covers maternity and new-born infant expenditures under its Health-Guard Gold variant.. In the Gold family floater health plan, the coverage offered ranges from Rs. 3 lakhs to Rs. 50 lakhs.

    Know More About: Bajaj Allianz Health Guard

Written By : Naval Goel

Last Updated : June, 2021

Naval Goel is the CEO & founder of PolicyX.com. 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 PolicyX.com Insurance Web Aggregator.

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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. My wife is already 2 months pregnant. Can we buy a Maternity plan now?

Most of the health insurance companies consider pregnancy a pre-existing condition, and hence will not accept your application if you are already pregnant.

3. 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.

4. 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.

5. 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.

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March 25, 2022

jasvinder singh

Delhi

very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.

March 14, 2022

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Guwahati

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even for my extended family.

March 14, 2022

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Ludhiana

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