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Updated on Apr 08, 2025 4 min read

SBI Health Insurance for Maternity

Motherhood is one of the most revered milestones in any woman’s life. It also comes with emotional as well as financial responsibility. So, before taking this life-altering decision, it is very important to be financially ready for the responsibilities. Moreover, it is equally crucial to have a proper plan in place in order to counter any unexpected situations that, one may face during or after the pregnancy. A good financial plan for mothers must take care of their needs that change at every stage of motherhood, right from pregnancy to old age.

When we are talking about maternity health insurance, we must mention SBI Health Insurance for maternity insurance solutions. The maternity plans offered by SBI have good coverage for all maternity-related expenses. You should never settle for anything less when it comes to keeping the mother and the family safe in every situation. SBI Pregnancy Insurance is a great help since they cover both post and pre-hospitalization costs along with daycare costs as well. Before jumping on any decision let us see some benefits and features of SBI Maternity Insurance.

SBI Health Insurance Maternity Plans

The maternity plans offered by SBI Health Insurance come with several benefits and complete maternity coverage. Let’s have a brief look at the plans:

Key Features of SBI Health Insurance for Maternity

A robust maternity insurance can help you and your family, to take your first steps toward parturition without worrying about financial limitations. Now, let’s discuss the key features of SBI Health Insurance pregnancy cover.

SBI Health Insurance For Maternity has a policy period of 1/2/3 years.
The sum insured can be automatically reinstated, this makes SBI Health Insurance for maternity a dynamic plan.
SBI Health Insurance pregnancy cover provides tax benefits under Section 80D of the Income Tax Act.
SBI health insurance pregnancy cover has a good range of sum insured options between Rs. 10 Lakh to Rs. 30 Lakh.
This plan provides many alternate treatment benefits like Ayurveda, Unani, Siddha & Homeopathy.
SBI Maternity Insurance Policy has a cumulative bonus of 10% of SI for each claim-free year and it goes maximum up to 50%.
One of the best features, is that the plan does not need any pre-acceptance health check-up to the age of 55 years (for people with no medical history).

The SBI Health Insurance for Maternity Eligibility

If a person wants to opt for SBI Health pregnancy coverage they must meet the following eligibility criteria:

Age of individual

Minimum: 60 Years
Maximum:65 Years

Dependent child

91 days to 25 Years

Cover Type

Individual / Family

Free Lookup Period

15 Days

Sum Insured

10 Lakh / 30 Lakh

Initial Waiting Period*

9 months to 24 months

Individuals with entry age above 55 years have to undergo a pre-acceptance medical checkup before the policy is issued. There is no exit age.

Benefits of SBI Health Insurance for Maternity

A maternity insurance policy can provide many advantages to the expecting mother and her family, for more information, let’s check the benefits of the policy to make a clear decision:

SBI Maternity Insurance Policy benefit includes hospital room rent, boarding expenses and doctor fees.
The pocket-draining expenses such as operation theatre, nursing expenses, medicines that the policyholder consumes during the hospital stay and Intensive Care charges are also covered under SBI Maternity Insurance.
Pre-Hospitalisation expenses for 60 days and Post-Hospitalisation expenses for 90 days are covered.
Domiciliary hospitalisation and Outpatient Treatment are covered under SBI Maternity Coverage.

Inclusions of SBI Health Insurance for Maternity

Buying a maternity insurance plan is an excellent step towards adding financial security for the mother and for the whole family. Let’s look at a few inclusions of SBI Health Insurance for maternity.

Room rent, Boarding expenses, Medical practitioners’ fees, Intensive care unit.

Nursing expenses, such as Anesthesia, blood, oxygen, operation theatre, surgical appliances, diagnostic expenses & x-ray, dialysis, chemotherapy, medicines & consumables, radiotherapy, cost of a pacemaker, prosthesis/internal implants & any medical expense incurred that is a part of the operation.

Drugs, medicines that are consumables during hospitalisation, OPD treatment.

Expenses for OPD consultation & treatment up to the specified limit.

Pre and Post-hospitalisation expense coverage: 60 days prior to the date of admission and 90 days after the date of discharge from the hospital.

Day Care expenses: 142 Day Care expenses are covered.

Ambulance expenses: Up to Rs 1500.

Alternative treatment: Alternative treatment under AYUSH taken in a government hospital or in any institute recognised by the government and/or accredited by the quality council of

Domiciliary hospitalisation: Reasonable and customary charges towards domiciliary will be paid, up to a certain limit, the rest will be included.

SBI Health Insurance for Maternity Exclusions

Before choosing a plan, look for the one that best suits your needs and look at its exclusions for avoiding fatalities

Any pre-existing diseases from starting day of the policy up to 4 years of the policy, the pre-existing disease must be persistent in this period of time.

Treatment of certain illnesses such as ulcers, tonsillectomy, hernia, cataract, sinusitis, gall bladder stones, and many other chronic organ failures during the first year of running of the policy.

Treatment that is taken outside India will not be included in the SBI Pregnancy Insurance Policy.

For the medical practitioner without undertaking any active regular treatment, a stay in hospital facility is not available.

Experimental and unproven treatment is excluded from the SBI Maternity Insurance Policy.

Any injury caused due to self-harm.

Naturopathy treatment.

War and war-like situations.

A standard health insurance plan for senior citizens will have an initial waiting period of 30 days (excluding accidents). There will be another waiting period of 48 months for pre-existing diseases and 90 days to 12/24 months for specific illnesses depending on the product opted.

SBI Health Insurance Network Hospital List

SBI Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, SBI Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Explore other SBI Health Insurance

To cater to the different medical needs of an individual & their family, SBI 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 SBI Health Insurance plans explore more:

Individual and Family Health Insurance

SBI Super Health Insurance Policy

SBI Super Health Plan is SBI Health Insurance's new comprehensive health insurance plan. The plan is an umbrella health plan that provides all-inclusi...

Unique Features

Unlimited Re-insure Benefit
Wellness Benefits
Annual Health Check-ups

SBI Super Health Insurance Policy (Pros)

Tax benefit
Reinsure benefit
Health multiplier
Optional covers

SBI Super Health Insurance Policy (Cons)

Cosmetic treatment
Injury due to illegal activities
Unlawful activities
Adventure sports injuries

SBI Super Health Insurance Policy (Other Benefits)

OPD expenses
International treatment
SI up to 2 Crores
Flexible premium payments

SBI Super Health Insurance Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

SBI Health Edge Policy

SBI Health Edge is a newly introduced health insurance plan from SBI Health Insurance which is customizable and is available to insurance holders base...

Unique Features

Avail Global Treatment
Multiple Discounts
18 Optional Covers

SBI Health Edge Policy (Pros)

In-patient hospitalization
Pre and Post-hospitalization
Daycare treatments
Emergency ambulance cover

SBI Health Edge Policy (Cons)

Organ donor
Compassionate visit
Domiciliary hospitalization

SBI Health Edge Policy (Other Benefits)

Bariatric Surgery Cover
Modern Treatments
AYUSH Treatments
Health Check-ups

SBI Health Edge Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 3 to 25 Lakhs
Initial waiting period: 30 days

Group Health Insurance

SBI Group Health Insurance

SBI Group Health Insurance is a comprehensive plan, as it provides wider coverage to its customers as well as their family members. Group health insur...

Unique Features

High Sum Insured
Easy Policy Renewal
10% copayment

SBI Group Health Insurance (Pros)

In-patient hospitalization
Daycare treatments
Co-payment clause

SBI Group Health Insurance (Cons)

Room rent unavailable
OPD not covered
Organ donor expenses
Modern treatment unavailable

SBI Group Health Insurance (Other Benefits)

Ambulance expenses
Pre & post-hospitalisation
Policy renewal benefits

SBI Group Health Insurance (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 to 5 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Supreme Policy

SBI Arogya Supreme health plan is a diverse health insurance plan that provides a solution for all your healthcare needs. It covers 20 basic covers an...

Unique Features

Complete protection
Choose SI
Choose policy tenure

SBI Arogya Supreme Policy (Pros)

Domestic Air Ambulance Cover
Compassionate Benefit
Recovery Benefit

SBI Arogya Supreme Policy (Cons)

Automatic restoration
Maternity cover unavailable
Newborn baby cover
2nd medical opinion not covered

SBI Arogya Supreme Policy (Other Benefits)

E-Opinion Cover
Preventive Health Check-up
Renewal Benefit

SBI Arogya Supreme Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum Insured 3 L | 5 L | 7.5 L | 10 L | 15 L | 30 L | 40 L | 50 L | 1 Cr
Policy Term 1/2/3 Years
Initial Waiting Period 30 Days

Individual

SBI Loan Insurance Policy

SBI Loan Insurance policy offers comprehensive coverage to the policyholder and helps them to repay their loan in case of medical emergencies arising ...

Unique Features

Loan repayment benefits
Plan details
Inclusions and exclusions

SBI Loan Insurance Policy (Pros)

Pays out max 3 EMIs
Pays outstanding loan
PTD benefits

SBI Loan Insurance Policy (Cons)

Drug abuse or alcoholism
HIV/AIDS
Self-inflicted injury

SBI Loan Insurance Policy (Other Benefits)

Accidental cover
Critical illnesses cover
Loss of job cover

SBI Loan Insurance Policy (Eligibility Criteria)

Entry Age: 18 to 65 years
SI: 1 Crore
Initial waiting period: 90 days

Critical Illness Health Insurance

SBI Critical Illness Policy

SBI Critical Illness Insurance Policy offers you financial protection from 13 important critical illnesses, this policy offers a fixed sum, irrespect...

Unique Features

Coverage for Cancer
Eligibility Criteria
Inclusions and Exclusions

SBI Critical Illness Policy (Pros)

13 critical illnesses
COVID- 19 covered
Air ambulance services

SBI Critical Illness Policy (Cons)

Maternity cover
OPD and daycare unavailable
Global cover unavailable

SBI Critical Illness Policy (Other Benefits)

Emergency medical cover
No Maximum age limit
SI up to 10 L

SBI Critical Illness Policy (Eligibility Criteria)

Entry age: 5 years to No limit
SI: 3 to 10 Lakhs
Initial waiting period: 90 days

Individual and Family Health Insurance

SBI Arogya Sanjeevani Policy

SBI Arogya Sanjeevani Policy is a standard health insurance policy that comes with an affordable premium and offers a bucket full of benefits to its p...

Unique Features

Affordable Health Plan
Eligibility Criteria
Inclusions and Exclusions

SBI Arogya Sanjeevani Policy (Pros)

In-patient hospitalization
Pre and post-hospitalization care
ICU expenses
Daycare treatment
Up to 12 advanced treatments

SBI Arogya Sanjeevani Policy (Cons)

Modern treatment unavailable
OPD not covered
Domiciliary hospitalization unavailable

SBI Arogya Sanjeevani Policy (Other Benefits)

Deep Brain Stimulation
Balloon Sinuplasty
Oral Chemotherapy
Intra Vitreal Injections

SBI Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age: 18 to 65 Years
SI: 50K to 1 Lakhs
Initial waiting period: 30 days

Individual and Family Health Insurance

SBI Arogya Top-Up Policy

SBI Arogya Top-up Policy is a health insurance top-up policy that is designed to provide additional coverage to policyholders when their standard heal...

Unique Features

Enhanced coverage
Eligibility criteria
Key features

SBI Arogya Top-Up Policy (Pros)

In-patient hospitalisation
Pre & post hospitalisation
Ambulance cover

SBI Arogya Top-Up Policy (Cons)

Global coverage
Air ambulance
Compassionate visit
OPD cover unavailable

SBI Arogya Top-Up Policy (Other Benefits)

Organ donor expenses
Domiciliary treatment
Modern treatment

SBI Arogya Top-Up Policy (Eligibility Criteria)

Entry age: 3 months to 65 years
SI: 1 to 50 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

Arogya Plus Policy

SBI Arogya Plus policy is a fixed premium plan that offers financial protection to you and your family during a medical emergency. The plan provides c...

Unique Features

What is Arogya Plus?
Know the Eligibility Criteria
Premiums Sample Illustration

Arogya Plus Policy (Pros)

OPD cover
In-patient hospitalization
Pre & post hospitalization

Arogya Plus Policy (Cons)

Newborn baby cover
Vaccination
Compassionate travel
Organ donor cover unavailable

Arogya Plus Policy (Other Benefits)

AYUSH treatment
Domiciliary hospitalization
HIV/AIDS cover
Mental illness cover

Arogya Plus Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Years
Sum Insured: 1/2/3 L
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual and Family Health Insurance

Arogya Premier Policy

SBI Arogya Premier Policy is a comprehensive health insurance plan that is designed to protect you and your family from uncertain medical expenses. Th...

Unique Features

Plan Specifications
Eligibility
Inclusions and Exclusions

Arogya Premier Policy (Pros)

In-patient hospitalization expenses
Pre and post-hospitalization
AYUSH treatments
Maternity expenses

Arogya Premier Policy (Cons)

Daily hospital cash cover
Newborn baby cover
Global coverage
Compassionate visit unavailable

Arogya Premier Policy (Other Benefits)

Mental illness cover
HIV/AIDS cover
Internal congenital diseases
Genetic disorders

Arogya Premier Policy (Eligibility Criteria)

Entry Age: 3 Months to 65 Year
Sum Insured: 10 to 30 Lakhs
Initial Waiting Period: 30 days

Individual

SBI Hospital Daily Cash Insurance Plan

Manage Additional Expenses With Hospital Daily Cash Insurance of SBI!  SBI Hospital Daily Cash insurance policy takes care of the extra expenses ...

Unique Features

Daily cash benefit
Convalescence expenses
No medical check-up required

SBI Hospital Daily Cash Insurance Plan (Pros)

Daily cash benefit
Convalescence benefit
Multiple plan options

SBI Hospital Daily Cash Insurance Plan (Cons)

Illegal activities
Alcoholism
Obesity

SBI Hospital Daily Cash Insurance Plan (Other Benefits)

Hospitalization benefits
ICU hospitalization
Affordable premiums

SBI Hospital Daily Cash Insurance Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 K

Individual

SBI Divyanga Suraksha Policy

Would you believe if we say that the SBI Divyanga Suraksha health insurance plan provides healthcare for people with disability or any pre-existing HI...

Unique Features

Covers in-patient treatment
HIV/AIDS cover
Power against disability

SBI Divyanga Suraksha Policy (Pros)

Pre and post-hospitalization
Medical treatment
Daycare procedures
Cataract cover

SBI Divyanga Suraksha Policy (Cons)

Domiciliary hospitalization
Vaccination
Health check-ups
Global coverage

SBI Divyanga Suraksha Policy (Other Benefits)

Modern treatment cover
In-patient treatment
AYUSH care
PEDs cover

SBI Divyanga Suraksha Policy (Eligibility Criteria)

Entry age: 18 o 65 years
SI: 4 & 5 Lakhs
Initial Waiting Period: 30 days

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SBI Health Insurance Plans for Maternity: FAQs

1. What are the minimum and the maximum sum insured for SBI Health Insurance for Maternity?

The minimum is 10 lakh and the maximum sum insured is 30 lakh for SBI Health Insurance for Maternity.

2. What is the waiting period for SBI Health Insurance for Maternity?

An initial waiting period of 9 months and a maximum of 24 months is applicable from the date of commencement of this policy.

3. What is the minimum and the maximum age of a dependent child for SBI Health Insurance for Maternity?

For SBI Health Insurance for Maternity for a dependent child a minimum of 91 days and a maximum of 25 years of age is mentioned.

4. What is the ambulance charge in SBI health insurance for maternity?

The ambulance Charge is INR 1500 for SBI Health Insurance for Maternity.

5. What is Pre and Post-hospitalisation expense coverage for SBI Health Insurance for Maternity?

Pre and Post-hospitalisation expense coverage: 60 days prior to the date of admission and 90 days after the date of discharge from the hospital.

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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.