Maternity insurance policy makes the journey of motherhood even more secure and fulfilling. While motherhood brings immense joy, it also comes with responsibilities, including financial planning for medical care during pregnancy, childbirth, and post-natal care. The rising cost of healthcare services in India can place a heavy burden on families, making this type of insurance a necessity for expecting parents.
This guide provides an in-depth understanding of maternity insurance, importance, coverage, benefits, and the best policies available in India to help you make an informed decision for your growing family.
Maternity insurance is a specialized type of health insurance policy that covers expenses related to pregnancy and childbirth. These plans ensure that the financial stress associated with pregnancy and delivery is significantly reduced, enabling you to focus on your health and your baby.
Maternity insurance policies typically provide coverage for:
Delivery expenses (both normal and C-section)
Pre-natal care, including doctor consultations and diagnostic tests
Post-natal care for the mother and baby
Hospitalization costs, including room charges and medical bills
Newborn baby care, including treatments, vaccinations, and congenital condition care
Complications during pregnancy or childbirth
Advanced procedures like IVF treatments and stem cell preservation.
Pregnancy is a major financial commitment. The cost of delivery in India ranges between ₹25,000 and ₹2,00,000 depending on the city, hospital, and type of delivery. Regular health insurance policies generally do not cover maternity-related expenses unless it is explicitly included.
Maternity insurance ensures:
Financial Security: It eliminates the need to pay hefty medical bills out of pocket.
Comprehensive Coverage: From pre-natal care to post-delivery baby care, these policies cover a wide range of expenses.
Peace of Mind: It allows families to focus on the joyous journey of parenthood without worrying about finances.
|
Plans Name |
Delivery Expenses Limit (₹) |
Waiting Period |
Premium (₹) |
|
|
Aditya Birla ActivOne Maternity Plan |
50,000 |
3 Months |
32,540 (For a policy tenure of 3 years) |
|
|
Care Joy Tomorrow Maternity Insurance Plan |
50,000 |
2 Years |
29,132 (For 5 lakh sum insured) |
|
|
ICICI Lombard Elevate Plan |
1 Lakh |
2 Years |
52,557 (With maternity rider) |
|
|
ManipalCigna ProHealth Prime Advantage Insurance Plan |
1 Lakh |
3 Years |
24,458 (With prime enhanc plus rider) |
|
|
Niva Bupa Aspire Plan |
12,000 |
4 Years |
15,200 |
|
|
Reliance Health Infinity Insurance Plan |
1 Lakh or 2 Lakh |
1 Year/ 2 Years |
70,593 (With more cover option) |
|
|
Star Women Care Insurance Plan |
25,000 - 1 Lakh |
2 Years |
18,012 |
|
|
Star Health Young Star Gold Plan |
30,000 |
3 Years |
13,646 |
|
|
Tata AIG Medicare Premier Plan |
1 Lakh (For a boy child) - 1.2 Lakh (For a girl child) |
4 Years |
21,861 |
|
|
Zuno Health Insurance Plan |
50,000 (For Gold variant) - 2 Lakh (For Platinum variant) |
4 Years |
18,195 (For ₹15 lakh sum insured under Gold variant) - 25,320 (For ₹15 lakh sum insured under Platinum variant) |
Find The Perfect Maternity Plan — Compare Now
Welcoming a new life into the world is a joyous occasion, but it comes with significant financial responsibilities. Maternity insurance plays a crucial role in ensuring that you and your family are financially secure during this special time. With various plans available in India, choosing the right maternity insurance policy can feel overwhelming. To make it easier, we have detailed the top 10 maternity insurance plans in India, including their features and benefits, to help you make an informed decision.
The Aditya Birla ActivOne Maternity Plan stands out as one of the few options that provide coverage to women who are already pregnant. It has one of the lowest waiting periods in the industry, ensuring timely coverage for pregnancy-related expenses.
Key Features:
Waiting Period: Only 3 months.
Coverage: Both normal and C-section deliveries.
Additional Benefits: Coverage for medically necessary pregnancy terminations and free health check-ups.
Sum Insured: Unlimited restoration of the sum insured from day 1.
Renewal Bonus: 5x renewal bonus.
No Room Rent Limit: No restrictions on hospital room rent.
This plan is an excellent choice for women who want quick coverage and comprehensive benefits, making it a popular choice among expecting mothers.
Designed with the healthcare needs of pregnant women in mind, the Care Joy Tomorrow plan offers robust coverage for both the mother and newborn.
Key Features:
Maternity Expenses: Includes both pre-natal and post-natal care.
Newborn Baby Coverage: Covers medical expenses and treatments for newborns.
No Medical Check-up: No pre-policy medical screening is required.
This plan ensures a smooth transition into motherhood with a focus on comprehensive care for both mother and child.
The ICICI Lombard Elevate Plan is an excellent choice for families, as it offers pregnancy-related coverage under its family floater scheme.
Key Features:
Maternity Rider: Covers medical expenses for up to three deliveries or terminations.
Delivery Costs: Coverage for normal and C-section deliveries.
Newborn Benefits: Vaccinations and treatments for newborns.
Eligibility: Available for women up to the age of 50.
This plan provides flexibility and caters to families planning multiple pregnancies during the policy tenure.
The ManipalCigna ProHealth Prime Advantage Plan is known for its extensive coverage under the "Advantage" and "Protect" variants with the Prime Enhanc Plus rider.
Key Features:
Delivery Costs: Covers both normal and C-section deliveries.
Newborn Expenses: Includes treatment and vaccination for the first year.
Policy Lifetime: Maternity coverage for up to two deliveries or terminations.
Pre & Post-natal Care: Comprehensive coverage for maternity-related expenses.
This plan is a reliable option for parents seeking extensive maternity and newborn care.
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The Niva Bupa Aspire Plan offers a unique "M-iracle Benefit" for comprehensive maternity coverage.
Key Features:
Waiting Period: Ranges from 9 months to 2 years, depending on the variant.
M-iracle Benefit: Unutilized sum insured can be carried forward up to 10x with the Booster+ benefit.
Delivery Costs: Covers both normal and caesarean deliveries.
Surrogacy: Includes delivery expenses of the surrogate mother.
Additional Coverage: Assisted reproduction techniques, infertility treatments, and adoption charges.
With its wide range of benefits, this maternity insurance policy is ideal for families exploring advanced maternity care options.
This comprehensive health insurance plan covers maternity expenses and newborn baby treatments, making it a holistic choice for families.
Key Features:
Delivery Coverage: Covers medical expenses for childbirth.
Newborn Benefits: Includes treatment and vaccination.
Policy Tenure: Maternity coverage is available only for 3-year policy tenures.
Add-on Option: "More Cover" feature to increase the maternity coverage limit.
This plan is best suited for families seeking additional maternity coverage alongside comprehensive health insurance benefits.
The Star Women Care Insurance Plan is a trailblazer, offering coverage to women who are already pregnant, as well as those planning pregnancies.
Key Features:
Pregnancy Coverage: Requires submission of scans between the 12th and 20th week of pregnancy for existing pregnancies.
Delivery Costs: Covers both natural and C-section deliveries.
Unique Benefits: Coverage for assisted reproduction treatments, in-utero fetal surgery, and external & internal congenital expenses.
Additional Benefits: Vaccination, pediatric consultations, and accidental miscarriage expenses
No Pre-screening: No pre-acceptance medical screening is required except for pregnant women.
This plan caters specifically to women seeking extensive maternity coverage with minimal restrictions.
Star Health’s Young Star Gold Plan is ideal for women planning to expand their families with reliable coverage.
Key Features:
Maternity Coverage: Available for up to two deliveries.
Waiting Period: A fresh 2-year waiting period applies after the first claim.
Newborn Care: Covers delivery and post-natal expenses.
Pre-screening: No pre-acceptance medical screening is required.
This plan provides peace of mind with its focus on maternity and newborn care.
The Tata AIG Medicare Premier Plan is an all-inclusive option for maternity and newborn care.
Key Features:
Delivery Costs: Covers expenses for normal and C-section deliveries.
Newborn Benefits: Includes first-year vaccinations.
Special Benefit: Higher maternity coverage for delivering a girl child.
This plan’s emphasis on gender-specific benefits makes it a thoughtful choice for families.
The Zuno Health Insurance Plan offers coverage for maternity expenses under its Gold and Platinum variants, making it a cost-effective choice for expectant mothers.
Key Features:
Delivery Coverage: Includes both voluntary and involuntary pregnancy terminations.
Pre-screening: No pre-policy medical check-up required.
Limitations: Does not cover newborn baby expenses.
This plan is a suitable option for those seeking affordable maternity coverage without additional newborn benefits.
Timing is crucial when purchasing maternity health insurance. Most policies come with a waiting period ranging from 3 months to 4 years. This means you need to buy the policy well in advance to claim benefits when required.
Plan Early: Buy a policy as soon as you start planning for a family to complete the waiting period.
Compare Waiting Periods: Some policies, like Aditya Birla ActivOne Maternity Plan, have a waiting period as low as 3 months.
Check Coverage: Ensure the policy covers delivery expenses, pre and post-natal care, and newborn care.
Maternity insurance eliminates financial strain during pregnancy, ensuring families are prepared for all medical expenses related to childbirth.
Comprehensive coverage for medical care during and after pregnancy ensures that both mother and baby receive the best possible care.
Pregnancy complications, including premature delivery and high-risk cases, are covered under most pregnancy insurance plans.
Expenses related to newborn treatments, vaccinations, and congenital condition management are included, giving your baby the best start in life.
Policies like the Niva Bupa Aspire Plan cover assisted reproduction techniques, ensuring financial support for couples facing fertility challenges.
Maternity care in India is expensive, and the costs are rising steadily. According to an IIT Madras study, cesarean deliveries have increased significantly, making them a common yet costlier option for childbirth.
Normal Delivery: ₹25,000 to ₹75,000
C-Section Delivery: ₹50,000 to ₹2,00,000
With regular health insurance policies not covering these costs, maternity insurance becomes a necessity for managing expenses effectively.
Finding maternity insurance plans with no waiting period is challenging. However, some plans like Aditya Birla ActivOne Maternity Plan offer the shortest waiting period of 3 months, ensuring quick coverage for those who need it.
Compare Waiting Periods: Choose a policy with the shortest waiting period to start availing benefits sooner.
Check Coverage: Ensure the plan covers delivery, pre-natal, post-natal care, and newborn expenses.
Look for Additional Benefits: Policies with IVF, surrogacy, and stem cell preservation add significant value.
Assess Premium Costs: Balance the premium amount with the coverage offered to ensure affordability.
Choose Hassle-Free Maternity Insurance Today – Compare Now
Pregnancy is a life-changing journey, and having a maternity insurance policy ensures that this journey is financially stress-free. From covering delivery expenses to providing advanced treatment options, these policies are designed to support families at every step of parenthood.
Planning early and choosing the right policy can make all the difference, ensuring that you and your baby receive the best possible care without financial worries. Start exploring maternity insurance plans today to secure a bright and healthy future for your family.
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