1. Aditya Birla Activ Health Platinum- Enhanced Plan
Aditya Birla Activ Health Platinum and Enhanced Plan is a comprehensive and enhanced version of the basic plan that offers maternity insurance cover. The benefits offered are listed below:
Features and Benefits
The coverage amounts under this plan ranges between Rs. 2 lakhs and Rs. 2 Crores, which allocates a specific amount for maternity expenses. The insurer offers coverage and compensates the following expenses:
- New-born baby medical expenses
- Hospitalization expenses
- Vaccination charges
- Lawful medical termination of the pregnancy
- Policy tenure can be 1,2,3 years
- Pre and post hospitalization expenses are covered for 60 days and 180 days respectively
- Restoration of sum assured
- 20% No-claim-bonus for each claim free year
- Ambulance Cover
- No co-payments and No sub-limits
Exclusions
The insurer shall not cover claims arising due to the following expenses:
- Alternate medicine charges
- Doctor on- call service
- Eye and dental cover
- Domestic Evacuation expenses
- Sexually transmitted diseases
2. Bajaj Allianz Health Guard Family Floater Health Insurance Policy
Bajaj Allianz Health Guard Family Floater Health Insurance Plan offers maternity cover to the insured’s parents. Check out the policy features and benefits below:
Features and Benefits:
You can avail the following coverage benefits under this plan:
- The coverage amount ranges from Rs. 3 lacs to Rs. 50 lakhs in the Gold variant.
- Age criteria to buy this policy is 18 years to 65 years for adults and 3 months to 30 years for children
- Lifelong policy renewal option
- Pre-medical screening not required up to 45 years of age
- Waiting period of 6 years for maternity cover
- Preventive health check-up facilities
- Homeopathic and Ayurveda hospitalization
- Cumulative bonus of 10% to 100%
- Up to Rs. 7500 Convalescence Benefit
Exclusions:
The plan does not cover claims arising due to the following expenses:
- Pre-existing diseases until the completion of 3 years of the waiting period
- Joint replacement
- Bariatric surgeries
- Unproven treatments
- Alcohol and drug-related health problems
- STDs/HIV/AIDS
3. Bharti AXA Smart Super Health Insurance Policy
This health insurance plan covers maternity expenses only after a waiting period of 9 months. It comes in three variants: Value, Classic, and Uber plan.
Features and Benefits:
Have a quick rundown at the coverage benefits under this plan:
- 5% to 25% no-claim renewal discount
- No room rent capping
- In the Value plan, you have the option to buy a maternity cover of Rs.35000 and a new-born baby cover of Rs.25000
- Add-on cover for critical illnesses
- Domiciliary hospitalization cover
- The New-born baby cover is provided only for 90 days
- In the Classic health plan, there is extended maternity and the new-born baby cover of Rs.50, 000. And if you want to opt for a higher maternity cover you can go for Uber plan
- If you purchase the insurance plan with sum insured limit of Rs. 20 lakhs and 30 lakhs - then maternity and new-born baby cover will be of Rs.75,000. For plans ranging above that, it will be equal to Rs. 1 lakh
Exclusions:
Following claims shall not be covered under this plan:
- Domestic air ambulance
- Any serving member of the army or military
- Inpatient physiotherapy
- Treatment for HIV and AIDS
- Plastic Surgeries
4. Cholamandalam Family Healthline Insurance Plan
This is a family floater plan that comes in three variants i.e. Standard, Superior and Advanced. It covers maternity-related expenses after 5-years of the continuous policy term and the features are listed below:
Features and Benefits:
- Coverage amount options- Rs. 2 lakhs to Rs. 15 lakhs
- Pre & post hospitalization expenses
- Hospital room rent charges
- No medical screening up to 55 years
- Maternity and new born baby expenses
- Caesarean delivery cover
- No-claim-discounts up to 50%
- External Aids – Spectacles, Contact lens, and hearing aids, OP Dental treatments
Exclusions:
Claims arising due to the following circumstances shall not be covered under this plan:
- Suicidal attempts
- Self-inflicted injuries
- Vaccination expenses
- acts of foreign enemies
- War and riots related injuries and casualties
5. Digit Health Insurance with Maternity Cover
Digit health insurance gives you an option to get maternity cover as an add-on cover under both individual and family floater plans.
Features and Benefits:
You can claim for the following expenses under this plan:
- Hospital, and room rent expenses
- Child delivery expenses
- Infertility expenses
- medically necessary termination of pregnancy
- delivery and labour charges
- pregnancy complications
- C- section delivery
- new-born baby cover
- Increase in sum assured by 200% for insuring the second child
Exclusions
Claims arising due to the following expenses won’t be compensated for under this plan:
- Prenatal and post-natal expenses
- Pre-existing diseases
- Hospitalization without doctor’s consent
- STDs and related health problems
6. Edelweiss Health Insurance Gold and Platinum Plan
Edelweiss Gold and Platinum plans cover maternity expenses after 4-years of the continuous policy term.
Features and Benefits:
This plan is suitable for you for the following reasons:
- Gold plan: maternity cover up to Rs. 50,000
- Platinum plan covers up to Rs. 2 lakhs
- Hospitalisation expenses
- No Capping on ICU charges
- Day Care treatment and procedures
- Pre and post hospitalisation medical expenses
- Domiciliary hospitalisation cover
- Ayush treatment/hospitalization
- Recovery benefit
- Critical illness coverage
- 100% restoration of sum assured
- Coverage to anyone above 3 months old
- Maximum coverage to 8 members in a family
Exclusions
The list if limitations under Edelweiss health plan is given below:
- Hernia and Hydrocele
- Myomectomy
- Oral Chemotherapy
- New-born below the age of 91 days
- Plastic surgeries
- Stress and psychological disorders
7. Future Generali Health Total Mediclaim Insurance
This is an all-inclusive health plan that covers maternity hospitalization expenses after 2-years of the policy term. Check out the plan details below:
Features and Benefits:
You can avail the following coverage benefits under this comprehensive health plan:
- Sum assured option up to Rs. 1 Crore
- Hospitalization expenses before and after the admission
- Maternity expenses
- Restoration of sum assured
- Child vaccination cover
- Domiciliary hospitalization
- Alternative treatments
Exclusions
The policy does not cover the following treatment costs or hospitalization:
- Non-allopathic treatments
- Fertility treatment
- Suicide
- Sexually transmitted diseases
- self-medication
- Birth control measures
- Hormone replacement therapies

8. HDFC Easy Health Family Floater Plan (formerly known as Apollo Munich)
This plan offers coverage for maternity expenses. Check out the features and limitations as mentioned under.
Features and Benefits:
- Sum assured options: Standard: 1 to 15 lakhs, Exclusive: 3 to 50 lakhs, and Premium: 4 to 50 lakhs
- Maternity expenses
- Newborn baby expenses
- Compensation for pre and post hospitalization expenses
- Additional covers available
- Emergency ambulance cost cover
- Pre and post-natal expenses after a certain period of time
- Easy portability
Exclusions:
The policy holder cannot file a claim for the treatments listed under:
- Self-inflicted injuries
- Unproven treatments
- Suicidal attempts
- Pre-existing illness until the completion of the waiting period
- Experimental treatments
9. HDFC Ergo General Insurance Health Suraksha Gold Plan
Health Suraksha Gold Plan offers maternity cover to the insured spouse after 4-years of the continuous policy term. Check out the inclusions and exclusions.
Features and Benefits
You can avail the following coverage benefits under this comprehensive health plan:
- Sum assured from Rs. 3 lakhs to Rs. 10 lakhs
- Newborn baby expenses after 90 days
- Normal delivery up to Rs.15, 000
- Caesarean delivery up to Rs. 25,000
- Pregnancy termination up to Rs.15, 000 (subjected to policy terms and conditions)
- Domiciliary treatment expenses
- 144 specified day-care procedures
Exclusions:
The list if limitations under health Suraksha Gold plan are given below:
- Waiting period of 2 years for pre-existing diseases
- Treatment required for AIDS/HIV and STDs
- Psychological disorders
- Cosmetic or plastic surgeries
- Overdose of alcohol or drugs
- External aids unless required as part of the treatment
- Pregnancy-related complication unless specifically covered in the plan
- Dental care treatment
10. Kotak Mahindra Premier Plan
This is a comprehensive health insurance plan that covers medical expenses incurred on the child delivery or lawful termination of the pregnancy.
Features and Benefits:
You can avail the following maternity benefits under this medical insurance policy:
- Maximum of 2 deliveries
- Both pre and post-natal expenses
- New-born baby expenses
- Vaccination charges untill the child turns 2 years old
Exclusions:
The policy does not cover the following treatment costs or hospitalization:
- Pre-existing diseases until completion or waiting period
- Act of terrorism
- Unproven treatments
- Sexually transmitted diseases
- Claims arising while serving for Army, Navy or Military
11. Niva Bupa (Formerly known as Max Bupa) - Heartbeat Family Floater Plan
Niva Bupa (Formerly known as Max Bupa) Heartbeat is a comprehensive insurance plan that provides health insurance protection for up to 19 family members. Checkout the benefits related to maternity cover as given below.
Features and Benefits:
This medical policy shall cover the following treatment expenses:
- Sum assured: Rs. 5 lakhs to Rs 1 Crores
- Three plan variants: Silver, Gold and Platinum
- Up to 2 deliveries
- New-born baby cover
- Vaccination expenses for the newborn
Exclusions:
The policy does not cover the following treatment costs or hospitalization:
- Maternity benefits until completion of 2-years of waiting period
- Assisted reproduction
- Birth control measures
- STDs
- HIV/AIDS
- Weight loss therapies
12. Manipal Cigna ProHealth Plus Plan
Manipal Cigna ProHealth Plus Plan covers hospitalization expenses up to Rs. 10 lakhs. The plan also offers maternity cover as given below.
Features and Benefits:
The insurer shall cover the following treatment expenses:
- Maternity coverage after 48 months of the waiting period
- Normal delivery up to Rs. 15000
- Caesarean delivery up to Rs. 25000
- New-born vaccination cover for one year
- New-born baby expenses
Exclusions:
The policy does not cover the following treatment costs or hospitalization:
- Unproven treatments
- Cosmetic or plastic surgeries
- Psychological disorders
- Stress related complications
13. National Insurance Parivar Mediclaim Policy
Anyone between the age group of 18 years and 60 years can buy this plan. Checkout the benefits and limitations as given below.
Features and Benefits:
The insurer shall cover the following treatment expenses:
- Maternity expenses
- New-born baby cover
- Normal delivery
- Caesarean delivery
- Pre and post hospitalization expenses
- Ambulance charges
Exclusions:
The policy does not cover the following treatment costs or hospitalization:
- Psychosomatic disorders
- Pregnancy -related complications
- Plastic or cosmetic surgeries
- Psychiatric disorders
- STD treatments
14. New India Assurance Mediclaim Policy
This plan by New India Assurance offers coverage on both individual and family floater basis. If you choose sum assured above Rs. 5 lakhs you can avail maternity coverage benefits after a waiting period of 36 months.
Features and Benefits:
Checkout the benefits related to maternity expenses:
- Pre & post hospitalization medical expenses
- Maternity expenses
- Cost incurred on Doctors, Surgeons, Anesthetists, Specialists
- Homeopathic, Ayurveda and Unani treatment (only in government hospitals)
- Lifetime renewability
Exclusions:
The policy does not cover the following treatment costs or hospitalization:
- Post-natal expenses
- Early deliveries
- Congenital diseases
- Material costs
- Osteoarthritis
- AIDS, STDs and HIV (AIDS)
15. Oriental Happy Family Floater Insurance
The diamond variant of Oriental Happy family floater policy offers maternity coverage to the insured spouse. It is a suitable plan for joint families in India as it offers coverage to both parents and parents and laws.
Checkout the benefits related to maternity cover as given below.
Features and Benefits:
The insurer shall cover the following treatment expenses:
- Sum Assured: Rs.12 lakhs to Rs. 20 lakhs
- New-born baby expenses
- Pre-medical check-ups not required up to 45 years of age
Exclusions:
The policy does not cover the following treatment costs or hospitalization:
- Pregnancy and childbirth-related complications
- Unproven treatments
- Sexually transmitted diseases
- Claims arising while serving for Army, Navy or Military
- Venereal diseases
- Involvement in hazardous occupations and adventure sports
16. Religare Joy Health Insurance Plan
Unlike other maternity insurance plans, Religare health insurance plan has minimum waiting period. If you are between 18-65 years of age you can easily buy this plan. Checkout the benefits related to maternity cover as given below.
Features and Benefits:
The insurer shall cover the following treatment expenses:
- For Rs. 3 lakhs of sum assured the maternity cover is up to Rs. 35,000
- For Rs. 3 lakhs of sum assured the new-born cover is up to Rs. 35,000
- For Rs. 5 lakhs of sum assured the new-born cover is up to Rs. 50,000
- Intensive Care Unite charges
- Day care procedures/treatments
- Ambulance cover
- No-claim-bonus
Exclusions:
The policy does not cover the following treatment costs or hospitalization:
- Any type of congenital and inherited diseases
- Pregnancy related complications
- Miscarriage and abortions
- Genetic disorders
- Plastic surgery or cosmetic surgeries unless required for accidental injuries
- Birth control measures, Infertility and IVF treatment
17. Royal Sundaram Lifeline Elite Plan
This is also listed among, If you and your spouse are covered under the same family floater health insurance policy, then you automatically get maternity insurance benefits for 2 deliveries in your lifetime. If you are concerned about the new-born baby, then he/she is also protected.
Features and Benefits:
The plan does not cover the following treatment expenses:
- Vaccination requirements (up to Rs. 10,000) of the new born during the first 12 months
- Worldwide emergency hospitalization expenses
- Additional cover for the United States and Canada
- Maternity up to 25% of the sum assured
- Lawful medical termination of pregnancy
- Complicated deliveries
- OPD treatment charges up to Rs.10,000
- Reinstatement of sum assured
- 60 days pre and 180 days post-hospitalization cover
- Sub limits of Rs 2 lakhs to 2.50 lakhs for sum assured ranging from Rs. 25 lakhs to 150 lakhs.
- No-claim-bonus
Exclusions
The insurer does not cover the following treatment costs:
- Ectopic pregnancy
- Any occupational-related disease
- Congenital health conditions
- Observational hospitalization
- Speech-related disorders
- Cosmetic and plastic surgeries
- Sleep related disorders
- Treatment for Alopecia
- Dental treatment
18. Star Health Wedding Gift Pregnancy Cover
This plan is one of the most comprehensive coverages available in the market to provide health insurance for pregnant women and cater to child-birth related expenses and provide maternity benefits.
Features and Benefits:
The insurer shall cover the following treatment expenses:
- Covers delivery expenses
- Care for the new-born baby (including congenital disorders)
- Offers free benefits
- Covers pre-existing diseases after 4-years of policy term
- Covers pre and post-hospitalisation charges
- Caesarean or a normal delivery
- Pre and post-natal expenses
- Complications post-delivery, if it arises
Exclusions:
The medical insurance policy does not cover the following treatment costs or hospitalization:
- Any disease contracted within 30 days of the initiation of the policy
- Any disease or injury caused directly or indirectly by war, acts of terrorism, an act of foreign enemy etc.
- Expenses related to contact lens, spectacles, crutches, wheelchairs, hearing aids
- Cosmetic treatments of any kind
- Any diagnostic expenses and procedures
19. SBI Arogya Premier Plan
If you are between the age group of 18 years and 65 years and looking for health policy with coverage amount ranging from Rs. 10-30 lakhs along with maternity cover then this is the plan for you. Check out the benefits related to maternity cover as given below.
Features and Benefits:
The insurer shall cover the following treatment expenses:
- Maternity expenses after a waiting period of 9 months
- Allopathic treatment
- Homeopathy, Ayurveda, Siddha, and Unani treatment
- No-claim-bonus from 10% to 50%
- Pre, post, and in-patient hospitalization expenses
- Domiciliary treatment expenses
Exclusions:
The health insurance policy does not cover the following treatment costs or hospitalization:
- Venereal diseases
- Sexually transmitted diseases
- Health complications due to alcohol or drugs
- Genetic disorders
- Health complications due to war, riots etc.
20. Tata AIG Medicare Premier Plan
It is available in both individual and family floater option and does not have a maximum age limit. In floater plans, a maximum of 7 members can be covered along with maternity cover. And if you are looking for maternity expense cover then you can consider this comprehensive Checkout some do the exclusive benefits and also the limitations of this medical policy:
Features and Benefits:
You can avail the following coverage benefits under this health insurance plan:
- Maternity cover up to Rs. 50,000
- 60,000 in case of the birth of a girl child
- Emergency air ambulance cover
- New-born Baby Cover
- Firs year vaccinations for the new-born
- Cashless treatment in nearly 4000 network hospitals
- Global coverage
- Prolonged hospitalization benefit
- Restoration of sum assured
- Daily cash benefit for accompanying an insured child to the hospital
- Emergency air ambulance cover
- Compassionate travel
- Consumables benefit
- Discount on premium for long-term plans

Exclusions:
Claims arising due to the following circumstances are not covered in this plan:
- Congenital external diseases
- Parkinson’s and Alzheimer’s disease
- Idiopathic/alcoholic pancreatitis
- General debility
- Hospitalization for diagnostic and evaluation purposes
- All preventive care
- Growth hormone therapy
21. Universal Sompo Complete Healthcare Insurance
Universal Sompo has designed this health insurance policy to offers comprehensive health cover along with maternity cover. If you are between 18 years and 70 years of age, then this plan is suitable for you. Moreover, it covers dependent children (10-25 years) of the insured parents in the same policy.
Features and Benefits:
Coverage benefits offered under this plan are as follows:
- Sum assured option: Rs. 1 lakh to Rs. 10 lakhs
- Maternity expenses
- Childbirth and pregnancy expenses
- Normal and complicated deliveries
- Newborn baby cover up to 90 days
- Pre and postnatal expenses
- Lifetime renewability option
Exclusions:
Following treatments and related expenses are not covered under this plan:
- Abortion or miscarriage related complications
- Overseas medical treatment
- OPD treatment
- Gender-related surgery
- Routine check-ups
- Aesthetic treatment
- Artificial life suppor
Over to You!
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 one that is suited to cater to your family needs, or the one that is ideal when you are planning to start a family. Taking up a health insurance with maternity coverage will not only bring you peace of mind but will help you enjoy this experience without any worries!
Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.