Best Health Insurance Plans with Maternity Coverage

Planning a baby can be an expensive affair. Not only do you have to pay the delivery charges but also the newborn baby’s expenses. Delivery of a baby can easily cost you somewhere between Rs 50,000- Rs 1 lakh. The best way to prepare for these expenses is by buying a maternity insurance plan. Read on to know everything about the best health insurance plans with maternity coverage.

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      List of Best Maternity Health Insurance Plans in India

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

      Plan Name Entry Age Sum Insured Maternity Cover Waiting Period
      Aditya Birla Activ Health Platinum Enhanced Plan 18 to 45 years 2 lakh to 2 crore 48 months
      Bajaj Allianz Health Guard Policy 18 to 65 years 3 lakh to 50 lakh 72 months
      Bharti AXA Smart Super Health Insurance Policy 18 to 45 years 5 lakh to 1 crore 9 months
      Care Joy Maternity Insurance Plan  18 to 45 years 3 lakh/ 5 lakh 9 months/ 24 months
      Cholamandalam Healthline Plan 18 to 65 years 5 lakh to 25 lakh 36 months
      Digit Health Care Plus Policy 18 to 40 years - 24 months
      Edelweiss Health Insurance Plan 18 to 65 years 5 lakh to 1 crore 48 months
      Future Generali Health Total Plan 18 years onwards 3 lakh to 1 crore 36 months/ 60 months
      Kotak Mahindra Premier Plan 18 to 65 years 2 lakh to 2 crore 36 months
      Liberty HealthPrime Connect Plan 18 to 65 years 10 lakh to 1 crore 24 months
      Magma HDI OneHealth Insurance Plan 18 to 65 years 2 lakh to 1 crore 48 months
      ManipalCigna ProHealth Insurance Plan 18 to 45 years 4.5 lakh to 1 crore 48 months
      Niva Bupa Heartbeat Insurance Plan 18 to 65 years 5 lakh to 1 crore 24 months
      National Parivar Mediclaim Policy 18 to 45 years 1 lakh to 10 lakh 36 months
      New India Assurance Mediclaim Policy 18 to 65 years 5 lakh to 15 lakh 36 months
      Oriental Happy Family Floater Plan 18 to 65 years 12 lakh to 20 lakh 24 months
      Royal Sundaram Lifeline Health Insurance Plan 18 years onwards 25 lakh to 1.5 crore 36 months
      Star Comprehensive Insurance Plan 18 to 65 years 5 lakh to 1 crore 24 months
      SBI Arogya Premier Plan 18 to 65 years 10 lakh to 30 lakh 9 months
      Tata AIG Medicare Premier Plan 18 to 65 years 5 lakh to 50 lakh 48 months
      United India Family Medicare Plan 18 to 65 years 3 lakh to 25 lakh 24 months
      Universal Sompo Complete Healthcare Plan 18 to 45 years 3 lakh to 50 lakh 36 months
      See More Plans

      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
      • Kotak Mahindra Premier Plan

        Kotak Mahindra 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!

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