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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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|
Check out the best maternity health insurance plans in detail:
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
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.
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.
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.
The policy does not cover the following treatment costs or hospitalization:
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.
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.
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
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.
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.
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:
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:
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.
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.
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.
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.
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.
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.
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.
The Arogya Premier plan provides coverage for maternity expenses to the insured. However, the insured mother should be hospitalized to raise a maternity claim.
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.
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:
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.
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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