Best Health Insurance Plans with Maternity Coverage

List of Best Maternity Health Insurance Plans in India

Take a look at the best health insurance plans in India that offer maternity coverage:

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Check out the best maternity health insurance plans in detail: 

• Aditya Birla Activ Health Platinum Enhanced Plan

  The Aditya Birla Activ Health Platinum Enhanced plan is a comprehensive health plan that offers maternity insurance cover as an add-on. The policy covers a maximum of 2 maternity events i.e. delivery or lawful medical termination of pregnancy

  Features and Benefits:

  1. Newborn baby’s medical expenses
  2. Hospitalization expenses
  3. Vaccination charges
  4. Lawful medical termination of the pregnancy
  5. Pre or post-natal maternity expenses
  6. Stem cell preservation
  7. Ambulance charges

  Exclusions:

  1. Ectopic pregnancy
  2. Pre and post-hospitalization expenses
  3. Sterility and infertility
  4. Non-allopathic treatment

• Bajaj Allianz Health Guard Policy

  The Bajaj Allianz Health Guard plan offers maternity cover under its Gold variant. This policy covers up to a maximum of two deliveries or pregnancy terminations.

  Features and Benefits:

  1. The coverage amount ranges from Rs 15,000 to Rs 35,000 per delivery depending on the policy sum insured and the type of delivery.
  2. Pre-natal and post-natal hospitalization expenses
  3. Newborn baby cover
  4. Pregnancy complications
  5. Mandatory vaccinations of the newborn baby

  Exclusions:

  1. Ectopic pregnancy
  2. Dietary supplements and substances
  3. Sterility and infertility

• Bharti AXA Smart Super Health Insurance Policy

  This Bharti AXA health insurance plan covers maternity expenses as an add-on benefit but only under the family floater plan. Moreover, the maternity benefit is available only if the policyholder opts for a 3-year policy tenure.

  Features and Benefits:

  1. Delivery expenses
  2. Newborn baby cover
  3. Lawful termination of pregnancy
  4. The coverage amount ranges from Rs 25,000 to Rs 1 lakh per delivery depending on the type of delivery and the plan type.
  5. No room rent capping

  Exclusions:

  1. Ectopic pregnancy
  2. Dietary supplements and substances
  3. Sterility and infertility
  4. Unproven treatments
  5. Deliveries outside India

• Care Joy Maternity Insurance Plan

  Care Joy Maternity Insurance is a customized maternity plan that covers medical expenses incurred during pregnancy. The plan comes with a 3-year policy tenure only.

  Features and Benefits:

  1. Delivery expenses
  2. Pre-natal & post-natal expenses
  3. Newborn baby cover
  4. In-patient care
  5. Pre & post-hospitalization cover
  6. Day care procedures/treatments
  7. Ambulance cover
  8. Single private AC room available
  9. No Claim Bonanza available as an add-on cover

  Exclusions:

  The policy does not cover the following treatment costs or hospitalization:

  1. Non-allopathic treatment
  2. Deliveries outside India
  3. External congenital diseases
  4. Unproven treatment
  5. Sterility and infertility

• Cholamandalam Healthline Plan

  The Cholamandalam Healthline plan covers maternity expenses under its Privilege variant. It covers the insured for a maximum of two deliveries or lawful medical termination of pregnancy.

  Features and Benefits:

  1. Maternity cover is available up to Rs 1 lakh
  2. Delivery expenses
  3. Newborn baby hospitalization expenses
  4. Pre-natal and post-natal expenses
  5. Caesarean delivery cover

  Exclusions:

  1. External congenital diseases
  2. Ectopic pregnancy
  3. Vaccination expenses

• Digit Health Care Plus Policy

  Digit Health Insurance gives you an option to get maternity cover as an add-on cover under the Health Care Plus policy. The coverage is limited to two living children.

  Features and Benefits:

  1. Child delivery expenses
  2. Medically necessary termination of pregnancy
  3. Pregnancy complications
  4. C- section delivery
  5. newborn baby cover
  6. Newborn baby vaccination

  Exclusions:

  1. Pre-natal and post-natal expenses
  2. Stem cell harvesting and storage
  3. Ectopic pregnancy

• Edelweiss Health Insurance Plan

  The Edelweiss Health Insurance plan covers maternity expenses under its gold and Platinum variants. The policy also covers up to two deliveries or pregnancy terminations during the lifetime of the insured

  Features and Benefits:

  1. Coverage amount limited to up to Rs 50,000 under the Gold plan and up to Rs 2 lakh under the Platinum plan
  2. Child delivery expenses
  3. Medically necessary and lawful termination of pregnancy

  Exclusions:

  1. Voluntary medical termination of pregnancy during the first 12 weeks
  2. Ectopic pregnancy
  3. Newborn baby expenses
  4. Stem cell storage

• Future Generali Health Total Plan

  This Future Generali Health Total plan covers the maternity hospitalization expenses of the insured. However, the plan covers pre & post-natal expenses and newborn baby expenses under Superior and Premiere variants.

  Features and Benefits:

  1. Coverage amount ranges from Rs 15,000 to Rs 1 lakh per delivery
  2. Child delivery expenses (both normal and caesarian)
  3. Pre-natal and post-natal hospitalization expenses
  4. Newborn baby expenses

  Exclusions:

  1. Ectopic pregnancy
  2. Fertility treatment
  3. Birth control measures
  4. Dietary supplements and substances
  5. External congenital anomaly
  6. Stem cell storage

• Zurich Kotak (formerly known as Kotak Mahindra) Premier Plan

  Zurich Kotak Premier is a comprehensive health insurance plan that covers medical expenses incurred on the child’s delivery or lawful termination of the pregnancy. However, the delivery must be done during in-patient care at a hospital.

  Features and Benefits:

  1. Pre and post-natal expenses
  2. Newborn baby expenses
  3. Vaccination charges of the baby until the child turns 2 years old

  Exclusions:

  1. Ectopic pregnancy
  2. Pre & post-hospitalization expenses of the newborn baby
  3. Unproven treatments

• Liberty HealthPrime Connect Plan

  The Liberty HealthPrime Connect plan offers maternity and childcare benefit to the insured. However, this benefit is available only if the insured couple is covered under the family floater plan.

  Features and Benefits:

  1. Delivery expenses, including caesarean delivery
  2. Newborn baby expenses
  3. Newborn baby’s vaccination expenses
  4. Medically recommended and lawful termination of pregnancy
  5. Newborn baby screening expenses
  6. Umbilical cord stem cell banking allowance
  7. Pre-natal and post-natal charges
  8. Pregnancy complications

  Exclusions:

  1. Ectopic pregnancy
  2. Deliveries outside India
  3. OPD treatment
  4. External congenital anomaly

• Magma HDI OneHealth Insurance Plan

  Magma HDI OneHealth Insurance is a comprehensive health policy that offers maternity benefits to couples under the family floater cover. While it is available as an in-built benefit under the Premium variant, maternity cover needs to be opted under other variants.

  Features and Benefits:

  1. Delivery expenses for up to Rs 1 lakh
  2. Newborn baby cover
  3. Vaccination expenses for the newborn baby
  4. Lawful medically necessary termination of pregnancy
  5. Accidental abortion or miscarriage 

  Exclusions:

  1. Harvesting and storage of stem cells
  2. Ectopic pregnancy
  3. Pre-hospitalization medical expenses
  4. Post-hospitalization medical expenses

• ManipalCigna ProHealth Insurance Plan

  ManipalCigna ProHealth Insurance plan covers hospitalization expenses incurred on maternity procedures. The plan also comes with a reduction in the maternity waiting period as an optional cover.

  Features and Benefits:

  1. Delivery expenses for both normal and caesarian deliveries
  2. Coverage ranges from Rs 15,000 to Rs 2 lakh per delivery
  3. Newborn vaccination cover for the first year
  4. Newborn baby expenses
  5. Lawful termination of pregnancy
  6. Pre and post-natal maternity expenses

  Exclusions:

  1. Pregnancy complications
  2. Pre and post-hospitalization expenses
  3. Harvesting or storage of stem cells
  4. Ectopic pregnancy
  5. Unproven treatments

• Niva Bupa (Formerly known as Max Bupa) Heartbeat Insurance Plan

  Niva Bupa (Formerly known as Max Bupa) Heartbeat Insurance is a comprehensive insurance plan that provides maternity benefits for a maximum of two pregnancies. However, this benefit is available only under the family floater and family first plans. 

  Features and Benefits:

  1. Delivery expenses
  2. Coverage ranges from Rs 35,000 to Rs 2 lakh per delivery
  3. Newborn baby cover
  4. Vaccination expenses for the newborn baby
  5. Pregnancy complications
  6. Lawful termination of pregnancy

  Exclusions:

  1. Harvesting and storage of stem cells
  2. Ectopic pregnancy
  3. Pre & post-hospitalization expenses
  4. Pre-natal and post-natal expenses

• National Parivar Mediclaim Policy

  The National Parivar Mediclaim policy covers maternity expenses incurred as an in-patient treatment at a hospital. The coverage is available for the first two deliveries and terminations of pregnancy during the lifetime of the policy.

  Features and Benefits:

  1. Delivery expenses
  2. Lawful medical termination of pregnancy
  3. Pre-natal and post-natal expenses
  4. Newborn baby cover
  5. Newborn baby vaccination expenses

  Exclusions:

  1. Ectopic pregnancy
  2. Surrogacy
  3. Pre and post-hospitalization expenses

• New India Assurance Mediclaim Policy

  This plan by the New India Assurance Company offers coverage for maternity expenses as an add-on cover. However, this cover is available only to people with a sum insured of Rs 5 lakh and above.

  Features and Benefits:

  1. Delivery expenses
  2. Abdominal operation for extra uterine pregnancy
  3. Voluntary medical termination of pregnancy
  4. Day one baby cover
  5. Congenital external anomaly after 36 months waiting period

  Exclusions:

  1. Pre-natal and post-natal expenses
  2. Dietary supplements and substances
  3. Unproven treatments
  4. Sterility and infertility
  5. Domiciliary hospitalization

• Oriental Happy Family Floater Plan 

  The Oriental Happy Family Floater policy offers maternity coverage to the insured under its Diamond variant. However, people who already have two or more children will not be covered under this policy.

  Features and Benefits:

  1. Medical expenses for baby delivery
  2. Newborn baby expenses
  3. Lawful medical termination of pregnancy

  Exclusions:

  1. Voluntary medical termination of pregnancy
  2. Pre-natal and post-natal expenses
  3. Pre-hospitalization expenses
  4. Post-hospitalization expenses
  5. Unproven treatments

• Royal Sundaram Lifeline Health Insurance Plan

  Royal Sundaram Lifeline Health Insurance is a comprehensive plan that offers maternity benefits under its Elite variant. This cover is available only if the policyholder and the spouse are covered under the same family floater health insurance policy.

  Features and Benefits:

  1. Baby delivery expenses
  2. Coverage available for Rs 2 lakh and Rs 2.5 lakh depending on the sum insured amount
  3. Newborn baby cover
  4. Vaccination for the newborn baby during the first 12 months
  5. Lawful medical termination of pregnancy

  Exclusions:

  1. Ectopic pregnancy
  2. Harvesting and storage of stem cells
  3. Unproven treatments
  4. Dietary supplements and substances
  5. Congenital health conditions

• Star Comprehensive Insurance Plan

  This Star Health Insurance plan offers comprehensive maternity coverage for pregnant women for up to 2 deliveries. It covers maternity expenses under both individual and floater plans provided the insured and spouse is covered under the policy for at least two consecutive years.

  Features and Benefits:

  1. Delivery expenses, including caesarean delivery
  2. Coverage ranges from Rs 15,000 to Rs 1 lakh per delivery
  3. Newborn baby cover
  4. Vaccination expenses for the newborn baby
  5. Lawful medical termination of pregnancy
  6. Pre and post-natal expenses
  7. Congenital disorders

  Exclusions:

  1. Pre and post-hospitalization expenses
  2. Hospital cash benefit
  3. Sterility and infertility
  4. Unproven treatments
  5. Any diagnostic expenses and procedures

• SBI Arogya Premier Plan

  The Arogya Premier plan provides coverage for maternity expenses to the insured. However, the insured mother should be hospitalized to raise a maternity claim.

  Features and Benefits:

  1. Delivery expenses
  2. Lawful medical termination of pregnancy
  3. Complicated deliveries

  Exclusions:

  1. Deliveries outside India
  2. OPD treatment
  3. Dietary supplements and substances
  4. Unproven treatments

• Tata AIG Medicare Premier Plan

  The Tata AIG Medicare plan covers the insured mother for maternity expenses with higher coverage in case the newborn baby is a girl. Besides, the plan comes with an unlimited number of delivery events, including pregnancy terminations.

  Features and Benefits:

  1. Maternity cover available for up to Rs 50,000 (Rs 60,000 in case of the birth of a girl child)
  2. Newborn Baby Cover
  3. First-year vaccination expenses of the newborn baby

  Exclusions:

  1. Congenital external diseases
  2. Ectopic pregnancy
  3. Pre and post-natal expenses
  4. Pre and post-hospitalization expenses
  5. Voluntary termination of pregnancy

• United India Family Medicare Plan

  The United India Family Medicare plan provides maternity coverage to the insured as an optional cover. However, the coverage is not available to people who already have two children.

  Features and Benefits:

  1. Delivery expenses, including caesarean delivery
  2. Lawful medical termination of delivery
  3. Newborn baby cover

  Exclusions:

  1. Surrogate pregnancy or vicarious pregnancy
  2. Voluntary termination of pregnancy
  3. Pre-natal and post-natal expenses
  4. Pre-hospitalization and post-hospitalization expenses

• Universal Sompo Complete Healthcare Insurance Plan

  Universal Sompo Complete Healthcare Insurance has been designed to offer comprehensive health coverage along with maternity cover. However, this cover is not available under Basic and Digi-Pro variants.

  Features and Benefits:

  1. Maternity expenses on normal and caesarean deliveries
  2. Normal and complicated deliveries
  3. Coverage amount ranges from Rs 15,000 to Rs 2 lakh per delivery depending on the variant and type of delivery
  4. Newborn baby cover
  5. Pre and post-natal expenses
  6. Optional cover for maternity and childcare benefit waiting period modification

  Exclusions:

  1. Dietary supplements and substances
  2. Unproven treatments
  3. Deliveries outside India

Over to You!

Maternity Insurance is one of the smartest investments that you can make for a financially trouble-free delivery. Once you have taken a look at the best health insurance plans available in the market for pregnancy insurance, you can go ahead and choose the one that caters to your maternity needs. By doing so, you can peacefully enjoy this experience without any worries!