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Updated on Apr 08, 2025 4 min read

ICICI Lombard Health Insurance for Maternity

A mother’s responsibilities start from the first day of being pregnant till forever, it is a life-altering and embarking journey. Pregnancy brings with it enormous changes in a woman’s physical and emotional well-being. This transformation and coming back to daily routine leads to expenses that may turn out to be huge. Buying a maternity health insurance plan can at least help a woman be stress-free when it comes to the financials. A maternity plan gives her the mental freedom to cherish the new experiences without being cautious and concerned about the monetary issues she may face.

ICICI Lombard health insurance for maternity is not just a matter of saving tax, it can be so much more. It’s about partnering with you to find precisely what works for the mother and your newborn based on their needs to ensure a no-fuss environment and a pleasant beginning to parenthood.

Key Features of ICICI Lombard Insurance Plan for Maternity

Maternity Insurance is one of the best ways to minimize the expenses that will come with your prenatal care and the hospital stay when you give birth. Here are some key features of a maternity insurance plan to help you make up your mind:

ICICI Lombard Health Insurance for Maternity offers cashless payment of treatment in their network of authorised hospitals all over India. Do check the cashless facility network hospitals.
Maternity Benefit claim has been accepted, subject to the limit of Rs 10,000.
The maternity insurance plan not only covers the mother but also provides for the treatment expenses of Pre and Post-Natal Care for your newborn, in case he or she is diagnosed with a congenital health condition.
ICICI maternity insurance also enables you to save tax under section 80D of the Income Tax Act.
Policyholders can easily purchase a maternity insurance plan online by filling out an application form in just a few clicks, this makes the whole process hassle-free.
With ICICI Lombard Health Insurance for Maternity, you get coverage for pre and post-hospitalization, delivery and even other expenses such as hospital room rent, ambulance services, and doctors’ consultation fees. This makes the plan a comprehensive coverage policy.
You can even receive a Claim-Free Bonus through ICICI Lombard insurance for maternity if you skip raising a claim in a policy year

ICICI Lombard Health Insurance for Maternity Eligibility

Age

Minimum: 18 Years
Maximum: 45 Years

Policy Term

1/2 Years

Waiting Period

3 years

Free Look Period

15 Days

Benefits of ICICI Lombard Health Insurance for Maternity

ICICI Lombard Health Insurance for Maternity offers you the twin benefits of life coverage and maternity cover. Here are a few more benefits of the plan

Safeguard Expense
ICICI Lombard Health Insurance for Maternity safeguards you and your family against the increasing healthcare costs of the newborn.
Hospital Daily Cash Allowances
A certain amount will be paid for each and every completed day of hospitalisation if such hospitalisation is at least for a minimum of 3 consecutive days and subject to a maximum of 10 consecutive days.
Maternity Hospitalisation Expenses
Maternity insurance helps cover up to 91 days after childbirth while providing coverage against post-hospitalization expenses of Rs 2000.
Waiting Period
The waiting period for maternity coverage is 3 years. The cover is limited to 2 deliveries/terminations during the period of insurance(as per the plan).
Nursing At Home
A certain amount (as per the plan chosen) per day for a maximum of up to 15 days post-hospitalisation for the medical services of a nurse at your residence
Coverage Against Pre- and Post-Natal Expenses
Maternity insurance covers medical expenses relating to both Cesarean and normal delivery along with post-delivery complications for the mother
- Normal delivery of Rs 10,000/Caesarian delivery of Rs15,000/Pre-Post Natal Rs 2,000 each
- Normal Delivery of Rs 15,000/Caesarian delivery of Rs 25,000/Pre-Post Natal Rs 2,000 each
- Normal Delivery of Rs 25,000/Caesarian delivery of Rs 50,000/Pre-Post Natal Rs 2,000 each
Out-patient Treatment Cover
Reimbursement is provided for the medical expenses incurred as an Outpatient (OPD). It means the Insured patient who is not hospitalized for more than 24 consecutive hours but who visits a Hospital, clinic or associated facility for diagnosis or treatment.
New-born Coverage
In case some life-threatening or congenital ailment is diagnosed, the newborn coverage helps the parents from Day 1 to day 90 days from the birth of the baby.

Inclusions in ICICI Lombard Maternity Insurance

Maternity insurance provides you protection against any unforeseen situations so that you can get the best possible doctors to attend to you. Here is the list of expenses covered under a maternity insurance plan

Coverage against delivery expenses for both caesarean and standard delivery.

The company provides financial backup to take care of expenses 30 days before hospitalization, along with 60 days of post-hospitalization care.

Comprehensive coverage against pre- and post-natal expenses, such as ventilator care and vaccinations during his or her first year.

Maternity Benefit claim has been accepted, subject to the limit of Rs 10,000.

Ambulance cover amount payable is INR 1,500 per event of emergency policy hospitalization.

A maternity insurance plan includes coverage for the newborn baby for miscellaneous expenses.

Exclusions in ICICI Lombard Maternity Insurance

Do check the norms before going for a plan because a maternity insurance plan also has a few limitations. Below-mentioned expenses are excluded from a maternity insurance plan

In the case of late pregnancy (for ages 35 and above), it is possible that there might be situations when the company could refuse to pay the claim. However, the claim may not be declined after you have bought the policy.

Consultation, diagnostic tests, and follow-ups during nine months of pregnancy.

Treatment costs for premature termination of pregnancy, within 12 weeks of conceiving.

Medical expenses of ectopic pregnancy.

Doctor’s visits for regular health check-ups.

In-vitro fertilization.

Late pregnancies above 45 years of age.

Explore other ICICI Lombard Health Insurance

To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:

Individual and Family Health Insurance

ICICI Lombard Health Shield 360

Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...

Unique Features

360° Wellbeing programs
High SI options
Home healthcare

ICICI Lombard Health Shield 360 (Pros)

Worldwide cashless facility
Unlimited reset cover
Daycare procedures

ICICI Lombard Health Shield 360 (Cons)

Illegal activites
Adventure sports
Drug abuse

ICICI Lombard Health Shield 360 (Other Benefits)

Air ambulance
OPD cover
Additional sum insured

ICICI Lombard Health Shield 360 (Eligibility Criteria)

Min entry age: 21 Years
Max entry age: 75 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Group Health Insurance

ICICI Lombard Group Health Insurance

ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...

Unique Features

Large Sum Insured
Daycare Treatment
Floater Benefit

ICICI Lombard Group Health Insurance (Pros)

Tax benefit
Less waiting period
Hospital coverage
Wide range coverage

ICICI Lombard Group Health Insurance (Cons)

Pre-existing diseases
Hazardous or adventure sports

ICICI Lombard Group Health Insurance (Other Benefits)

Cashless benefit
Day care treatment
Floater benefit

ICICI Lombard Group Health Insurance (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

ICICI Lombard Complete Health Insurance Plan

Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health insuranc...

Unique Features

Wellness Program
Maternity & Newborn Cover
Riders Available

ICICI Lombard Complete Health Insurance Plan (Pros)

Critical Illness cover
AYUSH treatment covered
Ambulance coverage
E-consultation

ICICI Lombard Complete Health Insurance Plan (Cons)

Vaccination not covered
IVF Treatment
Modern treatment
Air ambulance

ICICI Lombard Complete Health Insurance Plan (Other Benefits)

Cataract
Daily hospital cash
Organ donor

ICICI Lombard Complete Health Insurance Plan (Eligibility Criteria)

Min entry age: 3 months
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Accident Health Insurance

ICICI Lombard Saral Suraksha Bima

A policy that covers accidental death and disablement. And you need it right away. Period! Unlike a critical illness, a terminal illness, or an unfort...

Unique Features

100% death benefit
Educational grant
PTD/ TTD and PPD cover

ICICI Lombard Saral Suraksha Bima (Pros)

Accidental death
Permanent total disability
Permanent partial disability
Cumulative bonus

ICICI Lombard Saral Suraksha Bima (Cons)

Attempt to suicide/self-inflicted injury
STDs and HIV/AIDS
Mental or nervous disorder
Alcoholism or substance abuse

ICICI Lombard Saral Suraksha Bima (Other Benefits)

Children education grant
Accidental hospitalisation
Higher sum insured

ICICI Lombard Saral Suraksha Bima (Eligibility Criteria)

Min entry age: 3 Months
Max entry age: 70 Years
Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

ICICI Lombard Elevate Plan

The power of infinite care! ICICI Lombard Elevate policy gives you and your family unrestricted wide coverage. How would it feel if a health insurance...

Unique Features

Over 30 add-on options
Worldwide coverage
Special cover for NRIs

ICICI Lombard Elevate Plan (Pros)

Room rent
ICU charges
Pre and post hospitalisation
Daycare treatment

ICICI Lombard Elevate Plan (Cons)

Cataract
IVF treatment
Hazardous activities

ICICI Lombard Elevate Plan (Other Benefits)

OPD Charges
Covid-19
Automatic restoration

ICICI Lombard Elevate Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: No Limit

Individual and Family Health Insurance

ICICI Lombard MaxProtect Plan

ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...

Unique Features

Up to 1 Crore SI
International coverage
Modern treatment

ICICI Lombard MaxProtect Plan (Pros)

Worldwide coverage
Modern-day treatment procedures
Reset benefits

ICICI Lombard MaxProtect Plan (Cons)

Maternity cover
OPD not covered
Daily hospital cash

ICICI Lombard MaxProtect Plan (Other Benefits)

Multi-yearPolicy discounts
Automatic restoration
Domiciliary hospitalization

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

Entry age: 21 to 65 years
Sum Insured: Upto 1 Cr
Initial Waiting Period: 30 Days

Top Up and Super Top Up

ICICI Lombard Health Booster

ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...

Unique Features

Reset Benefit
Top-up Plan
Lifetime Renewability

ICICI Lombard Health Booster (Pros)

In-patient treatment covered
High range of coverage
Flexible coverage

ICICI Lombard Health Booster (Cons)

Injury due to war
Cosmetic surgery
Aesthetics treatment

ICICI Lombard Health Booster (Other Benefits)

Reset benefit
Domestic road emergency
Pre and post-hospitalisation
Donor expenses

ICICI Lombard Health Booster (Eligibility Criteria)

Min entry age: 6 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

Arogya Sanjeevani Policy

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...

Unique Features

COVID-19 Cover
Ambulance Cover
Affordable Plan

Arogya Sanjeevani Policy (Pros)

Cumulative bonus
Cataract treatment covered
Modern procedures covered
Intensive cardiac care charges

Arogya Sanjeevani Policy (Cons)

No eyesight correction expenses
Fertility expenses not covered
Nursing expenses not covered
Nursing at home not covered
OPD expenses not covered

Arogya Sanjeevani Policy (Other Benefits)

Floater benefit
Pre-existing diseases after 4 years
In-patient AYUSH treatment
Day care procedures

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry age- 18 years
Max entry age- 65 years
SI- 1 L to 5 L
Waiting period- 30 days

Senior Citizen Health Insurance

Golden Shield Plan

Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...

Unique Features

Care Management Program
50 L SI Available
Co-Pay Modification

Golden Shield Plan (Pros)

Reset Benefit
Coverage for Ambulance
Cashless Hospitalization

Golden Shield Plan (Cons)

Maternity cover
New born cover
Daily hospital cash

Golden Shield Plan (Other Benefits)

Care Management Program
AYUSH Treatments
Claim Protector

Golden Shield Plan (Eligibility Criteria)

Entry age: 56 years to no maximum limit
Sum insured: 5 to 50 Lakhs
Initial waiting period: 30 days

Accident Health Insurance

ICICI Personal Protect Policy

ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...

Unique Features

Accidental Death Benefit
Acts Of Terrorism Cover
Life Long Renewal

ICICI Personal Protect Policy (Pros)

Accidental Death
Permanent Total Disablement Benefit
Hospital Daily Allowance

ICICI Personal Protect Policy (Cons)

Illegal activities
Adventure sports
Obesity

ICICI Personal Protect Policy (Other Benefits)

Operational Coverage
Accidental Hospitalization
Hospital Daily Allowance

ICICI Personal Protect Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 80 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Individual and Family Health Insurance

AdvantEdge Plan

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

Global Cover
SI Upto 3 Cr
Air Ambulance Cover

AdvantEdge Plan (Pros)

Restoration Benefit
Cumulative Bonus
Health Rewards
Domestic Air Ambulance

AdvantEdge Plan (Cons)

OPD Cover
Second medical opinion
Modern treatment
IVF treatment cover

AdvantEdge Plan (Other Benefits)

New Born Cover
Vaccine Cover
Maternity Cover
PED Cover
Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

Entry Age: 18 - 65 years
SI: 5 L to 3 Cr
Initial waiting period: 30 days

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ICICI Insurance for Maternity: FAQs

1. Can I purchase ICICI Lombard Health Insurance for Maternity as part of the family plan?

Yes, ICICI Lombard Health Insurance for Maternity can be bought with your health insurance policy in the name of ICICI Lombard Complete Health Insurance.

2. Does the newborn baby get maternity cover insurance?

Yes, the newborn baby gets insurance coverage up to 91 days after birth in the maternity cover insurance plan. Depending on your plan it generally includes cover for any treatment of illness or emergency for the newborn and on-birth vaccinations.

3. Does unfortunate pregnancy termination get covered in ICICI Lombard Health Insurance for Maternity?

Yes, ICICI Lombard Health Insurance Company does provide coverage for unfortunate pregnancy termination. This includes necessary medical expenses for termination procedures and treatment related to any complications of pregnancy or childbirth.

4. What are the chief benefits of ICICI Lombard Health Insurance for Maternity?

The chief benefits of ICICI Lombard Health Insurance for Maternity cover include. Financial security Newborn cover Relaxing onset of parenthood Stress-free environment for mother and newborn Many miscellaneous expenses are covered

5. What is the waiting period of ICICI Lombard Health Insurance for Maternity?

The waiting period for ICICI Lombard Health Insurance for Maternity is 3 years.

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Written By: Simran Saxena

Simran has over 3 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.

ICICI Lombard Health Insurance for Maternity

Key Features of ICICI Lombard Insurance Plan for Maternity

ICICI Lombard Health Insurance for Maternity Eligibility

Age

Policy Term

Waiting Period

Free Look Period

Benefits of ICICI Lombard Health Insurance for Maternity

Inclusions in ICICI Lombard Maternity Insurance

Exclusions in ICICI Lombard Maternity Insurance

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ICICI Lombard Health Shield 360 (Cons)

ICICI Lombard Health Shield 360 (Other Benefits)

ICICI Lombard Health Shield 360 (Eligibility Criteria)

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ICICI Lombard Group Health Insurance (Cons)

ICICI Lombard Group Health Insurance (Other Benefits)

ICICI Lombard Group Health Insurance (Eligibility Criteria)

ICICI Lombard Complete Health Insurance Plan (Pros)

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ICICI Lombard Complete Health Insurance Plan (Eligibility Criteria)

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ICICI Lombard Saral Suraksha Bima (Eligibility Criteria)

ICICI Lombard Elevate Plan (Pros)

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ICICI Lombard Elevate Plan (Other Benefits)

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ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

ICICI Lombard Health Booster (Pros)

ICICI Lombard Health Booster (Cons)

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Arogya Sanjeevani Policy (Pros)

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Arogya Sanjeevani Policy (Eligibility Criteria)

Golden Shield Plan (Pros)

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ICICI Personal Protect Policy (Pros)

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ICICI Insurance for Maternity: FAQs

1. Can I purchase ICICI Lombard Health Insurance for Maternity as part of the family plan?

2. Does the newborn baby get maternity cover insurance?

3. Does unfortunate pregnancy termination get covered in ICICI Lombard Health Insurance for Maternity?

4. What are the chief benefits of ICICI Lombard Health Insurance for Maternity?

5. What is the waiting period of ICICI Lombard Health Insurance for Maternity?

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