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ICICI Insurance for Maternity

New-born Coverage
Sub-limit of ₹50,000
Pre and Post-Natal Care

Network hospitals

7500+

Incurred claim ratio

77.33%

Sum insured

Up to 1 CR

No. of Plans

8

Solvency Ratio

2.5

Pan India Presence

300+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

7500+

Incurred claim ratio

77.33%

Sum insured

Up to 1 CR

No. of Plans

8

Solvency Ratio

2.5

Pan India Presence

300+

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 itself 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 in being stress free when it comes to the financials. A maternity plan gives her 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.

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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 the 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 Maternity Plans

Maternity Plans offered by ICICI Lombard are a financial backup with exclusive maternity benefits, from day 1, for your newborn baby and help with preparation for both mother and child against any complications.

ICICI Lombard Complete Health Insurance

A comprehensive health insurance plan that covers you & your family's healthcare needs with a wide range of SI (2 Lakhs to 50 Lakhs)

Unique Features

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

Other Maternity Health insurance Companies

Star maternity Health Insurance Plans

SBI maternity Health Insurance Plans

Reliance maternity Health Insurance Plans

Religare maternity Health Insurance Plans

Aditya Birla maternity Health Insurance Plans

Future Generali maternity Health Insurance Plans

National maternity Health Insurance Plans

Oriental maternity Health Insurance Plans

Max Bupa maternity Health Insurance Plans

HDFC ERGO maternity Health Insurance Plans

Bajaj Allianz maternity Health Insurance Plans

Acko Health Insurance for Maternity

Tata AIG Health Maternity

New India Health Insurance for Maternity

United India Health Insurance For Maternity

ManipalCigna Health Insurance for Maternity

ICICI Lombard Health Insurance for Maternity Eligibility

Age

Minimum: 18 Years
Maximum: 45 Years

Policy Term

1/2 Years

Wating Period

3 years

Free Look Period

15 Days

You may have to undergo pre-policy check-ups depending on the insurer’s requests.
ICICI Lombard Health Insurance for Maternity has a benefit with a sub-limit of up to ₹50,000

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.

Health Insurance Companies

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

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Choose ICICI Lombard Health Insurance Plan for

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. Though, 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 ICICI Lombard Health Insurance

Explore other ICICI Lombard Health Insurance Plans

ICICI Lombard Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Covid specific Plan

Corona Kavach Plan

A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.

Unique Features

Flexible Sum Insured
Home-care treatment covered
Treatment for comorbid

Corona Kavach Plan (Pros)

Covid Hospitalization charges
Home Care Treatment Expenses
AYUSH Treatment Covered
Hospital Daily Cash
Flexible Policy Period

Corona Kavach Plan (Cons)

Dietary supplements expenses
Unproven Treatments expenses
Respite care not covered
Investigation Expenses
Rehabilitation not covered

Corona Kavach Plan (Other Benefits)

Inpatient hospitalization
Family Floater Benefit
In-patient treatment
Home care treatment
Post-hospitalisation

Corona Kavach Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 5 L
Waiting Period - 15 Days

Standard Health Insurance

ICICI Arogya Sanjeevani Policy

A standard Health plan that offers coverage up to 5 lakhs to the insured & his family. The plan offers you everything you need under a health insurance plan.

Unique Features

Cumulative Bonus
Cataract treatment covered
Modern Procedures covered

Arogya Sanjeevani Policy (Pros)

Intensive Cardiac Care Charges
Ambulance charges up to 2000
Cataract treatment
In-patient hospitalization
Uterine Artery Embolization

Arogya Sanjeevani Policy (Cons)

No Eyesight correction expenses
Fertility expenses not covered
Nursing at home not covered
OPD expenses not covered
No Non-allopathic Treatment

Arogya Sanjeevani Policy (Other Benefits)

Floater benefit
Pre-existing diseases after 4 yrs
In-patient AYUSH treatment
Daycare procedures
Pre and post-hospitalisation

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age - 18 Years
Maximum Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

Top-up

Health Booster(Top UP Plan)

A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.

Unique Features

Wellness Programs
Critical Illnesses Covered
Lifetime Renewability available

Health Booster (Pros)

No Check-up up to 10 Lakh
Discount of up to 12.5%
Cashless treatment Hospitals
Reimbursement within 14 days
Deductible options (3/4/5 lakhs)

Health Booster (Cons)

No international Coverage
No Alcohol or drug abuse
No Refractive error correction
Dental treatment not covered
No hearing impairment correction

Health Booster (Other Benefits)

Hospital Daily Cash
Convalescence Benefit
Personal Accident Cover
Repatriation of Remains
(TTD) Rehabilitation Cover

Health Booster (Eligibility Criteria)

Entry Age - 18 Years
No Upper Age Limit
SI - 5 L to 50 L
Waiting Period - 30 Days

Personal Accident

Personal Protect Plan

The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.

Unique Features

Permanent Disability Covered
No pre-medical required
Worldwide coverage

Personal Protect Plan (Pros)

All Disablement Covered
Accidental Hospital Allowance
Rail accidents covered
Natural Peril Injury CFovered
No health check-up required

Personal Protect Plan (Cons)

Change of Gender Treatments
Cosmetic or Plastic Surgery
Dental treatment not covered
Maternity expenses not covered
No Global Coverge

Personal Protect Plan (Other Benefits)

No Injuries in terrorism covered
Hospital Daily Allowance Benefit
Accidental Hospital Allowance
Funeral Expenses covered
Children's Education Grant Benefit

Personal Protect Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 25 L
Waiting Period - 30 Days

Covid specific Plan

Corona Kavach Plan

A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.

Unique Features

Flexible Sum Insured
Home-care treatment covered
Treatment for comorbid

Corona Kavach Plan (Pros)

Covid Hospitalization charges
Home Care Treatment Expenses
AYUSH Treatment Covered
Hospital Daily Cash
Flexible Policy Period

Corona Kavach Plan (Cons)

Dietary supplements expenses
Unproven Treatments expenses
Respite care not covered
Investigation Expenses
Rehabilitation not covered

Corona Kavach Plan (Other Benefits)

Inpatient hospitalization
Family Floater Benefit
In-patient treatment
Home care treatment
Post-hospitalisation

Corona Kavach Plan (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 5 L
Waiting Period - 15 Days

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ICICI Health Insurance Plans 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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Naval Goel

Reviewed By: Naval Goel

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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