Maternity Health Insurance Plans
  • Health Plans for Pregnancy
  • Benefits of Maternity Insurance
  • Best Medical Insurance for Pregnancy
Best Maternity Insurance Plans
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Maternity Health Insurance: A Way to Secure Your Motherhood

The journey of a woman towards pregnancy is surreal which brings a new identity to her. On the contrary, pregnancy comes with lots of financial stress due to complications of maternity handling and skyrocketing healthcare charges. That's why, becoming a mother and getting prepared only on the physical grounds is not enough. You need to be prepared financially as well. Such that your pregnancy doesn't get challenging for you and your child, you should think of getting proper health care.

Therefore, to beat the unevenness of the situation, you need a special health insurance plan that covers both the mother and child during and after pregnancy. Maternity insurance is such a thing that can bear all your expenses related to delivery, pre & post-natal care, hospitalisation charges, and medical tests. But how can it be beneficial for you? When should you buy it? You will get to know more about maternity insurance in this article.

What Does Maternity Coverage in Health Insurance Mean?

Maternity insurance is a crucial part of health insurance that comes as an in-built benefit or a maternity plan. It provides comprehensive coverage to the policyholder including all the medical expenses related to pregnancy. It protects the policyholder financially, from 30 days before the date of delivery to up to 60 days after the birth of the child.

But how does maternity health insurance work for your parenthood? Pregnant women who get admitted to the networking hospital of their insurance provider get the maternity benefit. This policy provides coverage for medical expenses incurred during pregnancy like delivery expenses, hospitalisation, pre & post-natal care, medical tests, medicines and other newborn baby expenses up to a certain period.

Common Features of All Maternity Health Plans

Buying maternity health insurance early makes a good decision for further family planning. It saves you from paying hefty bills over delivery, pregnancy care, newborn child care, etc. No matter from which company you buy the policy, all such health insurance plans covering pregnancy have the following features in common:-

Features of Maternity Health Plans Descriptive specifications
Eligibility 18-45 years. This is a fact to consider that most insurance companies offer maternity coverage for up to two-time deliveries and not more than that.
Waiting period These plans usually have 1-3 years of waiting period, so it's recommended to buy a maternity care plan at your earliest.
Comprehensive coverage From neonatal care to doctor's consultation, delivery charges, hospital stays, medical and pharmacy bills, etc are all covered in the sum insured of your policy.
Newborn/neonatal care and postnatal care The plan covers pre-birth and post-birth medical care. This includes the neonatal and postnatal care of the baby, before delivery and post-delivery.
Daycare procedures Medical or surgical treatments that need 24 hours or less hospitalisation time of care are covered in maternity insurance plans.
Ambulance service Ambulance services in an emergency are covered if the insured gets a transportation facility ranging from rupees 750-2000 in each policy period. This charge may vary from policy to policy or insurer to insurer.
In-patient coverage (IPD) Surgeries or medical treatment ranging from 24 hours or more are covered in pregnancy care plans. These criteria also include hospitalisation, room rent, medication, pharma care, etc.
Network hospitalisation The insured can get cashless treatment at the networking hospitals of their insurance provider. The medical bills are generally settled between the insurer and the hospital management. You need not pay anything out of your pockets.
Cashless treatment The policyholder is entitled to receive free or cashless treatment at the networking hospitals of their insurance provider. Your insurer and the hospital will directly settle down all the incurred bills, and you need not pay any out-of-pocket expenses.
Tax benefits An insured individual can save the taxable amount of their income by availing of the tax benefits under Section 80D of the Income Tax Act.
Affordable premiums Premiums of maternity add-on plans are generally affordable but the coverage an insured gets is abundant.
No-claim bonus If you don't make any claim, you're likely supposed to be getting a no-claim bonus as an increased sum insured for the next year or annual renewal of the policy.
Quick claim settlement Maternity insurance plans are settled timely by the insurers such that the mother and the child can get the best delivery/medical care without any hassle.

10 Best Maternity Health Insurance Plans in India 2023

However, it may seem difficult to choose the best health insurance for pregnancy specifically. So, here are some of the best maternity health insurance plans that cover all the expenses related to your pregnancy and make it a smooth experience for you and your child:-

  • 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

Bajaj Allianz Health Guard (Pros)

  • Convalescence benefit
  • Super Cumulative bonus
  • Daily cash benefit
  • New Born Baby Cover
  • Pre & post hospitalization

Bajaj Allianz Health Guard (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Parkinson's Cover
  • HIV/AIDS not covered
  • No Obesity/Weight Cover

Bajaj Allianz Health Guard (Other Benefits)

  • Health prime rider
  • Non-medical expense rider
  • Wellness benefits
  • Bariatric surgery cover
  • SI reinstatement benefit

Bajaj Allianz Health Guard (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 1 Cr
  • Waiting Period - 30 Days

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

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

Health Total Policy (Pros)

  • Consultation Cover
  • Newborn Baby Cover
  • Organ Donor Cover
  • Cumulative Bonus
  • 15 Family Member Cover

Health Total Policy (Cons)

  • Congenital diseases
  • Illness Due To Alcohol
  • Sex Change Treatment
  • Hormone Replacement Therapy
  • No Obesity Treatment Cover

Health Total Policy (Other Benefits)

  • Dental Consultations
  • Out-Patientt Treatment
  • Wellness Care
  • Medication Cover
  • OPD Cover

Health Total Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

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

SBI Arogya Supreme (Pros)

  • E - Consultations
  • Sum Insured Refill
  • Air Ambulance
  • Long-term Policy
  • AYUSH Cover

SBI Arogya Supreme (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Supreme (Other Benefits)

  • Multiple Discounts
  • Annual Health Check-up
  • Mental Health Care
  • Cataract Treatment
  • E-Opinion

SBI Arogya Supreme (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

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

Why Do You Need Medical Insurance for Pregnancy?

Regardless of what you consider an emergency in life, pregnancy care is something that we can predict in advance. There comes the best part of maternity care plans in health insurance. Here is your 'why' to buy maternity medical care insurance:-

  • Provides financial backup

    It acts as a backdrop for saving more money for hefty medical bills and treatment costs. It can be your saviour from draining all your savings over maternity care including medication, surgery, pre/post-natal care, etc in times of soaring inflation.
  • Preparedness for complicated situations

    If by chance, the newborn child needs urgent care or to handle premature birth complications of the mother, maternity cover in health insurance saves the day. Hence, it, without worrying about financial pressure, covers all the unplanned situations.
  • Your newborn is covered for an extended period

    In most cases, health insurance plans cover the mother and the newborn baby as well. It provides medical coverage for the child up to 90 days or more from the date of delivery. All the expenses related to medicinal prescriptions, incubation, vaccinations and complicated medical treatment costs are covered.
  • High-quality maternity care at an affordable price

    Your peace of mind is secured with maternity insurance as it covers all the expensive and high-quality medical procedures at an affordable amount. Even in times of inflation, it saves you from losing out on your money.
  • Comprehensive coverage

    An add-on maternity care plan on top of your health insurance plans has various benefits to offer you. It provides you with the cover of all the expenses related to hospitalisation, medication, delivery, and so on.
  • Tax benefits

    You can also get tax exemption of up to Rupees 25,000 under Section 80D of the Income Tax Act on the overall premiums you'd paid for maternity cover.
  • Cashless facility at network hospitals

    The insurers are supposed to settle down all the medical bills on your behalf directly. So you need not pay anything while getting treatment at the network hospitals of your insurer.

Inclusions and Exclusions of Maternity Health Insurance

Health insurance with maternity coverage has its own sets of inclusions and exclusions. Read the pointers mentioned below about what pregnancy care under the health plan covers and what's not covered in it:-

These are the potential coverages that a pregnancy healthcare plan provides to the policyholder:-

Delivery cost

Both Normal and Caesarean deliveries are covered, given that the waiting period is already fulfilled.

Prenatal and Postnatal care

Prescriptions, drugs, medical checkups, ultrasounds, and physician/doctor's fees are covered. Any complications in delivery are covered as well

Newborn coverage

Provides Medicare to the newborn child. All neonatal expenses are covered from day 1 to up to 90 days, including premature labour.


Vaccination expenses for mother and child are covered during or after the delivery.

ICU and Hospitalisation

ICU charges, room rent/hospital stays, nursing, surgery, etc are covered.

Daycare Procedure

Covers specialised medical procedures of short span or care that aren't required for 24 hours or more


The cost of emergency ambulance services is covered under the health insurance that covers maternity care

Maternity care

All the expenses related to pre-and-post maternity hospitalisation are covered from 30 days before and 60 days after the delivery

However, there must be another side of the coin. So, there are some exclusions that a maternity healthcare plan does not cover:-

In-vitro fertilisation (IVF)

Treatment for infertility or any special case of conceiving pregnancy is not covered under the plan. The condition of surrogacy is generally excluded from these plans as well.

Pre-existing diseases

Health coverage under maternity insurance does not cover the complications of pregnancy arising due to pre-existing conditions like epilepsy, blood pressure, diabetes, etc

Congenital diseases

Genetic diseases such as heart disease and Down syndrome caused before or at the time of birth of the child are not covered

Non-prescription drugs

The medicines, tonics, health supplements and drugs that are not prescribed by your doctors are not covered

Delayed pregnancy

Late pregnancy above 45 years of age is excluded from the pregnancy insurance

Premature termination

Due to a specific condition, if you cannot avoid a premature termination or a late abortion will not be covered

Ectopic pregnancy

Ectopic pregnancy is a condition that occurs when the fertilized egg gets implanted outside the major cavity of female uterus, and it starts growing there. This condition of pregnancy is considered to be complicated, so not covered under health coverage of pregnancy insurance

Things to Consider Before Buying a Mediclaim Policy with Maternity Coverage

Here are a few points that you should consider checking out while buying medical insurance that covers pregnancy:-

  1. Affordability

    However, a mediclaim insurance policy with additional coverage usually comes with higher premium options. But you should always opt for a policy that has comparatively low premium charges.

  2. Coverage Amount

    As we know, maternity expenses are cut-throat high every time you go through this phase. Choose a policy that provides you with an adequate amount such that you never go short of financial strength. Therefore, it is better to go for pregnancy insurance which covers all your medical expenses related to maternity care like medical tests, medicines, doctor's consultations, commodities during your pregnancy, and so on.

  3. Waiting period

    Choose a maternity plan that comes with a waiting period of not more than 2 years. It's always a wise decision if you buy medical insurance that covers pregnancy, even before your marriage or planning a baby. Such that you don't have to complete the waiting period when you need medical assurance urgently.

  4. Sub-limits

    Maternity insurance from most companies comes with a sub-limit. Sub-limit is a pre-decided amount that is paid by the insurer. Beyond this limit, the exceeded medical expenses will be borne by the policyholder. The sub-limit amount varies somewhere between Rs. 25,000 to 50,000. And this amount goes up in case of caesarean delivery.

  5. Claim Settlement

    Before buying a policy, check through the claim settlement ratio or the number of claims that were settled by the insurer in past decades. Buying maternity insurance with a trusted and credible insurance company is a flex that ensures your smooth Medicare without worrying about hefty medical bills.

  6. Cashless Hospitalisation

    Health insurance with maternity cover benefits is supposed to be availed at any of the insurer's networking hospitals. This means that the medical bills occurring during maternity care should be settled between the hospital and your insurer where you need not pay from your account.

How to Buy a Maternity Insurance Online from PolicyX?

The best way to buy a maternity plan is, to compare multiple policies before buying one. These are the steps, with which you can buy health insurance with pregnancy coverage:-

  • Step 1: Online navigation

    Visit the official website of or,

    Reach out to the executives of our customer care.

  • Step 2: Research and compare policies

    On our official website, Click on the 'Health Insurance' tab which will open up a digital form for you to fill out.

    Now search for the insurance provider of your interest, from where you want to buy a maternity plan.

  • Step 3: Search the product

    Search for a maternity insurance plan that covers all your specified requirements and proceed.

    Fill in all the necessary details such as the details of the family member you want health insurance coverage for, and your age and click on "View Plans".

  • Step 4:- Enrolment

    After entering all the required details like- name, contact details, and other preferred details asked on the portal.

    Select your city and click on "Proceed"

    Click on "Get Free Quotes"

  • Step 5: Click on Buy

    You will be directed toward a list of health insurance plans wherein you can compare the plans of your choice and pay for the one you want as per your needs and requirements.

    Now you may proceed to 'Buy' and here you go! You have made a valuable purchase with us.

How to Make a Claim for Maternity Health Coverage?

To avail of the maternity benefit under your health insurance, you will get cashless treatment at the insurer's networking hospitals. Or you would get a reimbursement for your incurred medical bills. Depending on your situation, here are the steps that you should follow to claim your maternity insurance:-

  • Step 1: Inform your insurer

    Once you are taken and admitted to the hospital, the first step involves informing your insurer about your admission to the hospital. Tell them every detail of the hospitalisation.

  • Step 2: Fill in the claim form

    Fill in the claim form for settlement and sign it. Complete all the information that requires your approval and submit it to the TPA present at the hospital of the respective insurer.

  • Step 3: Submit requested documents

    Once you've submitted the claim form, you need to submit all the required documents for verification. These documents include your personal information like address proofs, Identity proofs, policy documents, etc.

  • Step 4: Submit the medical bills

    Apart from the requested documents, you need to submit medical bills, and all the invoices related to hospitalisation, consultation, treatment, etc. In case, you've received treatment from a non-network hospital, these bills will get a reimbursement from the insurer.

  • Step 5: Going through the enquiry of the claim

    Your insurer will probably send one of their agents to verify if the claim made by you is correct or wrong. Once you pass this verification procedure, you are one step ahead of getting your claim accepted.

  • Step 6: Receiving the claim amount

    If the claim is proven true, you'll receive the claim amount in the form of cashless treatment in networking hospitals or reimbursement in non-networking hospitals.

Documents Required for Maternity Insurance Claim Settlement

The documents that are required for claiming your maternity healthcare coverage are listed below:-

  • Completely filled out and signed claim form
  • Copy of policy documents
  • Doctor's advice on hospital admission
  • Hospital discharge summary
  • KYC documents
  • Certification of fitness from doctors
  • Consultation bills
  • The original hospital bill
  • Any prescription and pharmacy bills
  • Other attachments that are requested by the insurer

Why Choose PolicyX to Buy Maternity Health Insurance?

Stuck between where to consult while buying a pregnancy care plan? Here is why you should consult with PolicyX to buy a health plan for you:-

  • PolicyX is one of the leading and trusted aggregators of the best insurance plans for maternity.
  • Seamless and hassle-free customer support for customers.
  • You can compare various plans and purchase the best-suited plans according to your needs.
  • We have insurance experts who will guide you to purchase affordable and best insurance plans for maternity.
  • Quick response to all your queries from our expert advisors with a definite and true solution.


Planning towards parenthood is one of the most valuable experiences for a couple. It brings you joy and the gift of a new life as your newborn child. But securing this moment mentally and financially is an important aspect to consider. Maternity healthcare insurance is the ultimate way to proceed with this happiness of your life as it covers your spouse and child from financial burden. This article will give you a new way of making informed decisions about your pregnancy. However, if you have any further queries about maternity plans, reach out to our team of experts at

Other Maternity Health insurance Companies

Maternity Insurance :FAQs

1. Can I buy a maternity health plan when I'm pregnant?

Most health plans for maternity care come with a specific waiting period because insurance companies treat this criteria as a pre-existing condition. You can buy the health plan while pregnant, according to the rules of IRDAI. But your policy cannot cover your maternity care expenses in such conditions.

2. Can I get Maternity health insurance without a waiting period?

No, there are no implications of a zero waiting period in health plans for pregnancy. Note the fact that not even a standard health plan provides maternity health coverage without a waiting period until now. However, some plans come with a minimum waiting period of up to 90 days in certain conditions.

3. What is the waiting period for maternity health plans?

The waiting period for a maternity insurance policy usually ranges from 90 days to 3 years.

4. Can my husband claim pregnancy insurance in India?

Yes, your spouse can claim maternity benefits on your behalf or for themselves. Given that they must have a new or an existing health insurance plan for pregnancy.

5. Can I claim maternity benefits if I'm pregnant but not married?

As per the rules of IRDAI, anyone can buy a policy and claim their policy coverage.

6. Does a regular health plan cover pregnancy or maternity expenses?

Maternity plans are generally in-built features of a health insurance policy such as health insurance for women or it comes as separate plans. The maternity coverage depends upon the plan that you're buying.

7. When is the best time to buy maternity insurance?

Since most of the maternity insurance plans in health policies come with a waiting period, it's suggested that you buy 3-6 months before you're planning a baby or, just after getting married. In this condition, you'll have ample amount of time to plan your parenthood. planning a baby.

8. Does a maternity plan cover surrogacy conditions?

Since most of the maternity insurance plans in health policies come with a waiting period, it's suggested that you buy 3-6 months before you're planning a baby or, just after getting married. In this condition, you'll have ample amount of time to plan your parenthood. planning a baby.

What Our Customers Have to Say

Customer Review Image

Victor Rodricks


December 2, 2023

The Advisor Ms. Prajapati was excellent in handling all my queries n I am fully satisfied n would rate her performance to 10

Customer Review Image

Raj Kumar


October 16, 2023

Invested in a senior citizen health insurance with Bajaj Allianz for my parents and the coverage benefits are very helpful

Customer Review Image

Anju Chawla


October 11, 2023

I m glad I chose Tata AIG health insurance through It was an easy process, and their customer support is excellent.

Customer Review Image

Aniket Verma


October 11, 2023 s platform is user-friendly, and their team was knowledgeable in helping me purchase Tata AIG health insurance.

Customer Review Image

Ambika Singh


October 11, 2023 simplifies the process of buying Tata AIG health insurance. Their policies offer a wide range of benefits.

Customer Review Image

Amar Gupta


October 11, 2023

I m impressed with s professionalism in helping me choose Tata AIG health insurance. The coverage is top-notch.

Customer Review Image

Alia Kapoor


October 11, 2023 is the go-to platform for buying Tata AIG health insurance. Their service is exceptional, and the policies are comprehensive.

Customer Review Image

Akshay Sharma


October 11, 2023

I found the best deal on Tata AIG health insurance with the help of Their support team is efficient and informative.

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.