Maternity Insurance Plans: What Are They?

A type of insurance called maternity health insurance protects you from maternity and other supplemental costs. Your maternity insurance will protect you from all costs associated with both normal and cesarean deliveries of the baby. Maternity coverage is a common add-on or supplemental rider offered by health insurance plans in India. These plans reduce your financial obligations by protecting you against a variety of medical costs. The pre and post-hospitalization costs, the surgeon's charge, the nursing and boarding costs, the room rental, and the doctor's consultation are among them.






Here We Give You A List Of Best Health Insurance Policy In India For Maternity

1. HDFC Ergo Health Insurance's Simple Health Premium Plan:

For women looking for health insurance, the Easy Health Premium Plan is a fantastic insurance option. The policy is offered for terms of 1 year and 2 years, with options for insured sums ranging from Rs. 4 lakh to Rs. 50 lakh. The policy offers a variety of coverage benefits, making it a popular option for many women. These benefits include maternity coverage for both normal and caesarean deliveries (including before and after childbirth procedure), pre- and post-hospitalization expenses for up to 60 days and 90 days, respectively, newborn baby cover as a complimentary benefit on payment of additional premium.

2. The ManipalCigna ProHealth Insurance Plan:

The ManipalCigna ProHealth Insurance Plan provides comprehensive answers to all of your health insurance needs. ProHealth Protect, ProHealth Plus, ProHealth Accumulate Large Cover, ProHealth Preferred, and ProHealth Premier are the many types of the policy, with sums insured ranging from Rs. 2.5 lakh to Rs. 1 crore. The policy provides coverage for pre-hospitalization and post-hospitalization costs, as well as coverage for maternity, newborns, first-year vaccines, worldwide coverage, and donor expenses. Additionally, you can expand your coverage by adding value-added and optional covers to your policy, such as deductible, critical sickness, cumulative bonus, etc.

3. Aditya Birla Activ Health Enhanced Plan:

The Aditya Birla Activ Health Enhanced plan is a more expensive version of the Aditya Birla Health Insurance's Activ Health plan. The plan provides substantial coverage up to Rs. 2 crore of the insured amount and, in addition, rewards members for maintaining a healthy lifestyle. By paying an additional premium, you can use this policy's pregnancy coverage. Pre-hospitalization and post-hospitalization costs for up to 60 and 180 days, respectively, as well as coverage for inpatient hospitalisation costs, road ambulance costs, daycare procedures, a free health checkup, and costs associated with organ harvesting are additional benefits that the policy covers.

4. Health Guard Family Floater Plan from Bajaj Allianz:

Is a comprehensive health insurance plan that includes maternity coverage at a reasonable rate. The policy offers options for sum insured that range from Rs. 1.5 lakh to Rs. 50 lakh for those aged 3 months to 65 years. The policy, which comes in two plan variations, includes maternity and newborn baby coverage for up to two deliveries among its many other perks. Ayurvedic and homeopathic treatment costs, bariatric surgery costs, a 10% cumulative bonus benefit for each year without a claim, up to a maximum of 100%, coverage for daycare treatments, and pre-hospitalization and post-hospitalization costs are all additional advantages provided by the policy.

5. HDFC Ergo My: Health Suraksha Plan:

Is created to provide insurance against medical bills. The Silver Smart, Gold Smart, and Platinum Smart plans are the three available variations of the coverage. The policy is renewable for a lifetime and offers sum insured options between Rs. 3 lakh and Rs. 75 lakh. Parent and child care cover-Booster is one of the policy's many additional features. By paying an additional premium, you can get this add-on cover and get protection from costs associated with pregnancy, infertility treatment, and childbirth. Organ donation costs, pre and post-hospitalization costs, road ambulance costs, in-patient hospitalisation costs, etc. are additional costs that the coverage shields you against.


Q1. Are there any waiting periods for maternity insurance plans?

Ans: No. There are no waiting-period-free maternity insurance options in India. Contrarily, all maternity insurance plans have a waiting period that can be anywhere between 9 months and 6 years long.

Q2. If I'm already pregnant, can I still purchase maternity insurance plans?

Ans: No. Maternity insurance policies have a required waiting time, so you cannot purchase one when you are already pregnant.

Q3. Is purchasing maternity insurance policy a wise idea?

Ans: Yes. Women who want to have children soon should choose maternity insurance because it will pay for any medical costs associated with the pregnancy and the new baby.

Q4. What should I think about before purchasing the best maternity health insurance in India?

Ans: The following items must be checked before purchasing maternity insurance policy:

  • Waiting period for maternity insurance
  • number of kids protected
  • protection for a newborn
  • eligibility requirements
  • coverage for legally required eviction
  • Additional advantages

Q5. Are third pregnancies covered by maternity insurance policy?

Ans: The majority of maternity insurance policies only cover up to two children who are still living. However, some insurance plans do include maternity coverage for the insured's third child.


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