ICICI Insurance for Maternity
  • New-born Coverage
  • Sub-limit of ₹50,000
  • Pre and Post-Natal Care
ICICI Lombard Health Insurance
premium

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

Pan India Presence

300+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

7500+

premium

Incurred claim ratio

77.33%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

8

premium

Solvency Ratio

2.5

premium

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

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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.

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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.

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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

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.

What Our Customers Have to Say

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Anita Sandhu

Goa

March 18, 2024

A user-friendly platform with a lot of useful information with a helpful approach. The team of PolicyX went the extra mile to answer my questions related to ICICI Lombard Health Insurance Polic...

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Khushpreet Singh

Bhopal

March 18, 2024

I bought my ICICI Lombard health insurance plan 4 years ago, and every year the team at PolicyX helps me to renew the plan. Thank you PolicyX for taking care like family.

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Arjun Palta

Delhi

February 28, 2024

I connected to the team member of PolicyX when I was looking for the best health insurance policy. They helped me buying ICICI Lombard health insurance plan for my family. They made it easier f...

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Vayu Sharma

Gandhinagar

February 26, 2024

The insurance team at PolicyX was so helpful while purchasing my health insurance from ICICI Lombard Health Insurance.

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Nipun Singh

Indore

February 26, 2024

I needed to apply for a claim settlement for my ICICI Lombard Health Insurance Policy. PolicyX helped me to get the reimbursement very soon.

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aditya

Nagpur

February 17, 2022

I have family insurance plan and my mother and sister hospitalised for covid together. hospital gave me big amount. I used insurance plan to pay the bills.

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Kalpana Pushkar

Raipur

February 9, 2022

ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.

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Jubin Katyal

Agra

September 8, 2021

Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side

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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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