By Okbima 16 Jan 2024 51

Health Insurance Maternity Cover & Not Cover 2024


Health insurance maternity cover provides financial protection for expectant mothers and their newborns. It typically includes coverage for prenatal care, hospital stays, childbirth, and postnatal care. 


What is Covered in Maternity Health Insurance?

Maternity health insurance typically covers a range of medical services related to pregnancy, childbirth, and postnatal care. 

This coverage may include:

  1. Prenatal care: This includes regular check-ups, screenings, ultrasounds, and lab tests to monitor the health of the mother and baby during pregnancy.

  2. Delivery and hospitalization: The insurance usually covers the expenses related to labor and delivery, including the cost of the hospital stay, medical professionals' fees, and any necessary medical interventions during childbirth.

  3. Cesarean section: If a C-section is required, maternity health insurance often covers the surgical procedure and related expenses.

  4. Newborn care: Insurance plans generally cover the baby's medical care immediately after birth, including the required vaccinations, screening tests, and hospital stays.

  5. Postpartum care: Coverage may include postpartum check-ups, screenings, and follow-up visits to ensure the mother's recovery and address any health issues that may arise during the postnatal period.

  6. Prescription medications: Maternity health insurance may cover prescribed medications required during pregnancy, childbirth, or the postpartum period.

  7. Lactation support: Some insurance plans cover lactation consultation services to assist new mothers in breastfeeding.

  8. Complications: Maternity insurance also takes into account potential complications that may occur during pregnancy or childbirth, such as high-risk pregnancies or emergency medical interventions. 

Contact Our Experts to Know What is Covered!


What is Not Covered in Maternity Health Insurance?

Maternity health insurance is designed to cover the medical expenses related to pregnancy and childbirth. However, certain aspects are typically not covered by maternity health insurance plans.

These exclusions can vary depending on the specific policy:

  1. Pre-existing conditions: If a woman is already pregnant before obtaining maternity health insurance, most plans will not cover the pregnancy-related expenses. 

  2. Fertility treatments: Many maternity health insurance policies do not cover the costs of fertility treatments, such as in vitro fertilization (IVF) or other assisted reproductive technologies.

  3. Elective procedures: Procedures that are not medically necessary, such as cosmetic surgeries or elective C-sections, may not be covered by maternity health insurance.

  4. Pregnancy-related complications: Although most policies cover routine prenatal care and childbirth, complications such as gestational diabetes or high-risk pregnancies may not be covered or may have limited coverage.

  5. Pregnancy termination: If a woman decides to terminate her pregnancy, whether for medical or personal reasons, this is generally not covered by maternity health insurance.

  6. Out-of-network care: If a woman seeks services from healthcare providers who are not in her insurance network, her maternity care may not be covered or may have limited coverage. 

  7. Dental and vision care: Routine dental and vision exams are typically not covered unless they are directly related to pregnancy complications. However, emergency dental care may be covered.

  8. Over-the-counter medications: Non-prescription drugs, such as prenatal vitamins or other over-the-counter medications, are usually not covered by maternity health insurance.

  9. Alternative therapies: Certain alternative or complementary therapies, such as acupuncture or homeopathy, are typically excluded from coverage.

  10. Non-medical expenses: Maternity health insurance usually does not cover non-medical expenses related to pregnancy, such as baby supplies, nursery equipment, or maternity clothing.

Contact Our Experts to Know What is Not Covered!


Can I Apply for Maternity Insurance If Already Pregnant?

The eligibility criteria for maternity insurance, including whether or not you can apply while already pregnant, may vary depending on the specific insurance company and the type of insurance policy. It is always recommended to buy health insurance from the best health insurance companies in India.

Here are a few points to consider:

• Waiting periods: Many maternity insurance policies have waiting periods before they provide coverage for pregnancy-related expenses. These waiting periods can range from a few months to a year. 

• Pre-existing conditions: If you are already pregnant, the insurance company may classify your pregnancy as a pre-existing condition and exclude coverage for any pregnancy-related expenses. 

• Limited coverage: Some policies may provide limited coverage for pre-existing conditions, while others may have restrictions on coverage for complications or only cover a certain percentage of medical expenses.

• Medicaid or government programs: If you are pregnant and struggling to find maternity insurance coverage, you may be eligible for government assistance programs like Medicaid, which provides healthcare coverage for pregnant women.


What is the Minimum Waiting Period for Maternity Insurance?

The minimum waiting period for maternity insurance can vary depending on the insurance company and the policy. However, most maternity insurance policies have a waiting period of around 10 to 12 months before the coverage for maternity-related expenses kicks in.

This waiting period is in place to prevent people from enrolling in the insurance policy solely to cover the costs of maternity expenses and then canceling the policy once those expenses are incurred. It also allows the insurance company to manage the risk and ensure that enough time has passed for the policyholder to have paid premiums before claiming maternity benefits.

During the waiting period, the policyholder is typically not eligible for coverage for any pregnancy-related expenses, including prenatal care, delivery, and postnatal care. However, it is important to read and understand the specific terms and conditions of the maternity insurance policy, as waiting periods may vary


Why Buy Health Insurance With Maternity Cover from Okbima?

There are several reasons why you should consider buying health insurance with maternity coverage from Okbima such as comprehensive coverage, financial protection, and best customer support. 

• Wide Range of Options: Okbima offers a wide range of health insurance plans from different insurers. This diversity allows you to explore multiple options and select a plan that best suits your specific requirements, including maternity coverage.

• Convenience: Okbima's provides a convenient and user-friendly interface, making it easy for individuals to explore, compare, and purchase health insurance plans from the comfort of their homes.

• Expert Advice: Okbima offers expert advice and guidance on choosing the right health insurance plan with maternity coverage. 



In conclusion, health insurance maternity coverage is an essential aspect of healthcare coverage for pregnant women. It provides financial protection and peace of mind during the prenatal, delivery, and postnatal phases. Maternity cover ensures access to quality prenatal care, necessary medical appointments, and hospital stays, while also covering the costs of delivery, medications, and postpartum check-ups. 



Is there any maternity health insurance without a waiting period?

Some health insurance plans offer maternity coverage without a waiting period. It's essential to research and choose a policy that aligns with your specific needs and preferences.


Is maternity covered by health insurance?

Yes, many health insurance plans cover maternity-related expenses. However, coverage specifics vary, so it's important to carefully review policy details to understand the extent of maternity benefits.


Does health insurance cover maternity leave?

Health insurance typically doesn't cover maternity leave. Maternity leave benefits are often provided through employer-sponsored programs, government policies, or specific leave plans, not health insurance policies.


Is there any health insurance with maternity that covers from day 1?

While some health insurance plans may offer maternity coverage from the start, it's crucial to check policy details. Waiting periods may still apply for certain benefits, so understanding the terms of coverage is essential.


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