Star Insurance for Maternity
  • Lifetime Renewal
  • Newborn's Immunizations
  • Pediatrician Consultation
premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Star Health Insurance for Maternity

Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in your life, but it also comes with its fair share of tasks and responsibilities. There are several other factors that couples should consider before and after the baby is born, like not overlooking the cost involved. So, here comes maternity health insurance to the rescue. Maternity health insurance helps deal with exuberant medical expenses related to pregnancy and childbirth.

When we are talking about maternity health insurance, we must illustrate Star Health Insurance for maternity insurance solutions. The maternity plans offered by Star Health have a good scope and one can opt for individual or family health insurance which covers all maternity-related expenses. This is why when it comes to keeping the mother safe and happy, you should not settle for anything but Star Health Insurance for Maternity which covers almost everything.

Key Features of Star Health Insurance for Maternity

Having well-constructed maternity insurance can help you to take your first steps toward motherhood without worrying about financial constraints. Let's discuss the key feature of Star Health Insurance pregnancy coverage.

  • The Sum Insured offered by Star Health pregnancy cover is Rs 5 Lakh to Rs 1 Crore.
  • No co-payment is required up to 60 years of age. 10% of co-payment is applicable only after 61 years of age.
  • If you have any pre-existing illnesses, they should be covered after the completion of the given waiting period.
  • No limit on room rent if the patient is treated in a single standard AC room.
  • Star maternity insurance plans offer lifetime renewability and cover you throughout your life.
  • You can get the best treatment in more than 9900 registered hospitals as Cashless Hospitalization.

Star Health Insurance Maternity Plans

The maternity plan offered by Star Health Insurance comes with benefits and complete maternity coverage. Let's have a look at the plan.

A special plan designed for women, wherein women can avail multifold benefits along with coverage to the whole family.

Unique Features

  • Modern treatments
  • Coverage during pregnancy
  • Preventive health check-up

Other Maternity Health insurance Companies

The Star Health Insurance for Maternity Eligibility

Age of individual

Minimum: 60 Years
Maximum:65 Years

Dependent child

3 Months to 25 Years

Cover Type

Individual / Family

Free Lookup Period

15 Days

Sum Insured

5 Lakh / 1 Cr

Initial Waiting Period*

180 Days

  • Individuals with entry age above 50 years have to undergo a pre-acceptance medical checkup before the policy is issued.
  • The policyholders may have to undergo a pre-policy check depending on the age and sum insured at the empanelled diagnostic centers at their own cost.

Health Insurance Companies

Benefits of Star Health Insurance for Maternity

A maternity insurance policy can provide financial comfort in many situations, for that let's check the benefits of the policy to make a clear decision.

  • Star Health Insurance for maternity covers many Utero surgeries such as Congenital cystic adenomatoid malformation (CCAM) of the lung, Congenital diaphragmatic hernia (CDH), Congenital high airway obstruction syndrome (CHAOS) and many more.
  • The company pays for the costs associated with Voluntary Sterilization (Tubectomy/Vasectomy), after a waiting period of 24 months from the date of the first inception of the policy. You may now prepare for a child without worrying about your finances.
  • The company will pay the lump sum amount as per the policy towards miscarriage arising due to an accident subject to a waiting period.
  • Maximum of 25% of the sum insured (including medical and surgical treatment expenses), this helps to get expenses easy on pockets.
  • Test for New Born is payable once for each newborn subject to a limit. Star health insurance pregnancy insurance even covers the cost of the newborn's immunisations to the conclusion of the policy year.
  • Pediatrician Consultation up to 4 consultations per year are payable up to 12 years of age.
  • Preventive health check-up expenses incurred towards the cost of preventive health check-ups.
  • Vaccination expenses for the newborn baby are payable up to 12 months from the birth of the newborn.

Check Health Insurance Premium

Inclusions of Star Health Insurance for Maternity

Buying a maternity insurance plan is an excellent step towards adding financial security. Let's look at a few inclusions of Star Health Insurance for maternity.

Room rent charges, nursing and boarding expenses per the specified limits.

Emergency ambulance transportation charges are also covered.

Newborn baby cover including vaccination up to a Rs 10000

New Born Baby will be covered under this policy for a maximum period of up to 91 days from the date of birth,

Hospitalization expenses incurred on AYUSH (Ayurveda, Homeopathy, Unani and Siddha) can be claimed under the policy.

Pre-hospitalization expenses up to 60 days before getting admitted into the hospital.

Post-hospitalization expenses incurred after 90 days of the discharge from the hospital.

Domiciliary hospitalization expenses for any treatment taken at home as per the specified limit as stated in the policy.

The insured can avail of a second medical opinion from the Company’s network of doctors.

Expenses incurred on health check-ups up to the specified limits for Health Check-up Facility.

Star 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

Specified illnesses, diseases or treatments are not covered until a waiting period of 24 months is served.

Pre-existing diseases are not covered before 48 months of continuous coverage.

Expenses related to non-allopathic treatment are excluded.

Any injury caused due to self-harm.

Naturopathy treatment.

War and war-like situations

Explore Other Star Health Insurance Plan

Know more about Star Health Insurance plans, claim process, buying process and contact details of the company by clicking on the sections below:

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 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

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care Policy (Cons)

  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

  • Flexible Policy
  • Avail Long Term Discount
  • 7 family cover size options
  • Lifelong renewal
  • 3 Plan variants

Star Super Surplus Policy (Cons)

  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Special Care Policy (Other Benefits)

  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

Star Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered
  • 20% rural discount available

Arogya Sanjeevani Policy (Pros)

  • Affordable Plan
  • 50% No Claim Bonus
  • Flexible Policy
  • Day Care Procedures Covered
  • Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

  • 5% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Lifelong Renewal
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

  • Plan Variants Available
  • Customizable Plan
  • Hospital-Cash Benefit
  • 5% Family Discount
  • Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

  • 10% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

  • New Born Baby Cover
  • 100% Super Restoration
  • Up to 100% No-claim Bonus
  • Psychiatric coverage
  • Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

  • Entry Age - 16 Days
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 25 L
  • Waiting Period - 30 Days

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Gain Policy (Pros)

  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Policy (Cons)

  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Star Health Insurance for maternity: FAQs

1. Can a woman buy maternity cover insurance once she is pregnant?

No, the woman cannot buy the policy as she is opting for the cover too late. Already being pregnant will be considered a pre-existing condition and hence will not be eligible for claim under this benefit.

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

An initial waiting period of 180 days is applicable from the date of commencement of this policy.

3. Does Star Health Insurance cover Pediatrician Consultation?

Pediatrician Consultation up to 4 consultations per year are payable up to 12 years of age

4. In Star health insurance how many months from the birth vaccination expenses are payable?

Star health insurance for maternity covers vaccination expenses for the newborn baby and they are payable up to 12 months from the birth of the newborn.

Star Health Insurance Policy Review

Read what customers have to say about Star Health Insurance.

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Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ...

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sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

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Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

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Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

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samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

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rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

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paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

View All Star Health Insurance Reviews

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.