What is Maternity Insurance?
Maternity insurance is a special type of health insurance that covers the medical expenses related to pregnancy and childbirth. It generally includes prenatal care, delivery charges, postnatal care, and newborn baby cover for the first few days. Many maternity health insurance plans also cover C-section delivery, vaccination expenses, and pregnancy-related complications. This coverage helps expectant parents manage high hospital bills without financial stress. Choosing the best maternity insurance ensures timely treatment, quality care, and complete peace of mind during one of the most important phases of life.
What is Covered Under Maternity Insurance?
Maternity insurance includes all the essential medical services required during pregnancy and childbirth. It covers expenses from the early prenatal stage to delivery and even postnatal care for the mother. Most policies also extend protection to the newborn baby for a limited period after birth. These inclusions help reduce financial stress by taking care of hospital bills, tests, and treatment costs. Overall, maternity insurance ensures safe and worry free maternity care. Generally maternity insurance covers:
- Prenatal consultations, routine check-ups, and diagnostic tests.
- Delivery expenses, including normal and C-section delivery.
- Postnatal care and hospitalization after childbirth.
- New-born baby coverage for the first 30 to 90 days and it’s vary plan to plan.
- Vaccination charges for the new-born as per schedule.
- Coverage for pregnancy-related complications and medical emergencies.
Best Maternity Insurance Plans Available in India
Maternity insurance plans with no waiting period are extremely rare, which is why most families search for health insurance maternity cover that offers the lowest waiting period for maternity insurance. Choosing a pregnancy cover health insurance plan becomes easier when you understand how maternity cover health insurance works and what maternity insurance coverage actually includes. Many people look for health insurance with maternity cover so that expenses related to pregnancy, delivery and newborn care are financially protected. A good maternity insurance cover not only supports normal and C section delivery costs but also helps during prenatal and postnatal care. One of the most common questions buyers ask is which insurance covers pregnancy with the shortest waiting period. Since the waiting period for maternity insurance usually ranges from nine months to four years, it is important to compare maternity insurance waiting period carefully before selecting a plan that fits your needs. So here are plans with maternity coverage.
|
Company Name |
Plan Name |
Delivery Expense |
Waiting Period |
Benefits |
|
HDFC Ergo |
Optima Secure |
Maximum 2 lakh |
2 Years |
2 Deliveries (Normal OR C-section), pre and post-natal expenses, IVF Expenses, embryo freezing expenses are covered |
|
Tata Aig |
Medicare Premier |
Maximum 1.2lakh |
4 Years |
Normal OR C-section), pre and post-natal expenses, new born baby, first year vaccination |
|
Tata Aig |
Medicare Select |
1lakh |
2 Year (Option to Reduce) |
Normal OR C-section), pre and post-natal expenses, new born baby, first year vaccination |
|
Bajaj Allianz |
My Healthcare Plan |
1 lakh |
3 Year (Option to Reduce) |
Normal OR C-section), pre and post natal expenses, new born baby, maternity expenses for surrogacy, Complications of Assisted reproductive procedures |
|
ICICI Lombard |
Elevate Plan |
1 lakh |
2 Years |
Normal OR C-section), pre and post natal expenses, new born baby, first year vaccination |
|
Niva Bupa |
Aspire Plan |
Maximum 25000/year and have option to carry forward unused miracle benefit up to 10x |
9 months to 48 months vary on the plan’s variant |
Normal OR C-section delivery expenses covered |
|
Star Health |
Women Care |
Maximum up to 1 lakh |
Minimum 1 year and maximum 2 years, waiting period vary on opted sum insured |
Normal OR C-section delivery expenses covered, new born baby, pre and post natal expenses covered, surrogacy, oocyte donor expenses, ART covered, in utero fetal surgery, miscarriage due to accident are covered |
|
Care Health |
Joy Plan |
Rs 50000 |
2 Years |
Normal OR C-section delivery expenses covered, new born baby cover, pre and post natal expenses are covered |
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What is Not Covered Under Maternity Insurance?
Maternity insurance does not cover every pregnancy-related expense, and there are certain conditions where the insurer will not pay the claim. You can make claim within the waiting period of usually 9 months to 4 years. These exclusions help insurers avoid misuse and keep the policy sustainable. Knowing what is not covered is just as important as knowing the inclusions so you don’t face any surprises during claim time.
- Pre-existing pregnancy at the time of buying the policy.
- Fertility treatments like IVF, surrogacy, or assisted reproduction are not covered in most health insurance plans.
- Non-medical expenses such as baby products, toiletries, or personal comfort.
- Voluntary termination of pregnancy unless medically necessary.
- Congenital conditions or birth defects vary by insurer.
- Regular doctor visits or medicines unrelated to pregnancy complications
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What is Covered Under Maternity Insurance?
Maternity insurance includes all the essential medical services required during pregnancy and childbirth. It covers expenses from the early prenatal stage to delivery and even postnatal care for the mother. Most policies also extend protection to the newborn baby for a limited period after birth. These inclusions help reduce financial stress by taking care of hospital bills, tests, and treatment costs. Overall, maternity insurance ensures safe and worry free maternity care. Generally maternity insurance covers:
- Prenatal consultations, routine check-ups, and diagnostic tests.
- Delivery expenses, including normal and C-section delivery.
- Postnatal care and hospitalization after childbirth.
- New-born baby coverage for the first 30 to 90 days and it’s vary plan to plan.
- Vaccination charges for the new-born as per schedule.
- Coverage for pregnancy-related complications and medical emergencies.
Best Maternity Insurance Plans Available in India
Maternity insurance plans with no waiting period are extremely rare, which is why most families search for health insurance maternity cover that offers the lowest waiting period for maternity insurance. Choosing a pregnancy cover health insurance plan becomes easier when you understand how maternity cover health insurance works and what maternity insurance coverage actually includes. Many people look for health insurance with maternity cover so that expenses related to pregnancy, delivery and newborn care are financially protected. A good maternity insurance cover not only supports normal and C section delivery costs but also helps during prenatal and postnatal care. One of the most common questions buyers ask is which insurance covers pregnancy with the shortest waiting period. Since the waiting period for maternity insurance usually ranges from nine months to four years, it is important to compare maternity insurance waiting period carefully before selecting a plan that fits your needs. So here are plans with maternity coverage.
|
Company Name |
Plan Name |
Delivery Expense |
Waiting Period |
Benefits |
|
HDFC Ergo |
Optima Secure |
Maximum 2 lakh |
2 Years |
2 Deliveries (Normal OR C-section), pre and post-natal expenses, IVF Expenses, embryo freezing expenses are covered |
|
Tata Aig |
Medicare Premier |
Maximum 1.2lakh |
4 Years |
Normal OR C-section), pre and post-natal expenses, new born baby, first year vaccination |
|
Tata Aig |
Medicare Select |
1lakh |
2 Year (Option to Reduce) |
Normal OR C-section), pre and post-natal expenses, new born baby, first year vaccination |
|
Bajaj Allianz |
My Healthcare Plan |
1 lakh |
3 Year (Option to Reduce) |
Normal OR C-section), pre and post natal expenses, new born baby, maternity expenses for surrogacy, Complications of Assisted reproductive procedures |
|
ICICI Lombard |
Elevate Plan |
1 lakh |
2 Years |
Normal OR C-section), pre and post natal expenses, new born baby, first year vaccination |
|
Niva Bupa |
Aspire Plan |
Maximum 25000/year and have option to carry forward unused miracle benefit up to 10x |
9 months to 48 months vary on the plan’s variant |
Normal OR C-section delivery expenses covered |
|
Star Health |
Women Care |
Maximum up to 1 lakh |
Minimum 1 year and maximum 2 years, waiting period vary on opted sum insured |
Normal OR C-section delivery expenses covered, new born baby, pre and post natal expenses covered, surrogacy, oocyte donor expenses, ART covered, in utero fetal surgery, miscarriage due to accident are covered |
|
Care Health |
Joy Plan |
Rs 50000 |
2 Years |
Normal OR C-section delivery expenses covered, new born baby cover, pre and post natal expenses are covered |
What is Not Covered Under Maternity Insurance?
Maternity insurance does not cover every pregnancy-related expense, and there are certain conditions where the insurer will not pay the claim. You can make claim within the waiting period of usually 9 months to 4 years. These exclusions help insurers avoid misuse and keep the policy sustainable. Knowing what is not covered is just as important as knowing the inclusions so you don’t face any surprises during claim time:
- Pre-existing pregnancy at the time of buying the policy.
- Fertility treatments like IVF, surrogacy, or assisted reproduction are not covered in most health insurance plans.
- Non-medical expenses such as baby products, toiletries, or personal comfort.
- Voluntary termination of pregnancy unless medically necessary.
- Congenital conditions or birth defects vary by insurer.
- Regular doctor visits or medicines unrelated to pregnancy complications
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