Is Cesarean Delivery Covered Under Health Insurance Plans?

Having a child and starting a family is an important milestone in everyone’s life. For the mother a child brings an emotional responsibility while for a father the associated financial responsibility is a major concern.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Parenthood changes every parent’s priorities and while the child’s responsibility is shared between the husband and the wife, the expenses related to the child are usually the responsibility of the husband. At today’s age when expenses are inflating at an unending pace, meeting such costs is increasingly becoming difficult.

    Upbringing of a child is expensive and so are the expenses involved in childbirth. While a normal delivery may cost less, a Cesarean delivery rakes up the hospital bills and if you do not have a health insurance plan to pay for your bills, such costs would wipe out your savings in a jiffy.

     

    What if we tell you that some health insurance plans cover maternity expenses maternity expenses under their coverage options? Under such maternity coverage, both normal as well as cesarean deliveries are covered.

    As per the latest numbers, a Cesarean delivery is more common and the preferred child-birth procedure and such deliveries are expensive ranging from Rs.30, 000 to Rs.1 lakh. Having your health insurance cover for the Cesarean delivery would be a relief to you in terms of finances. Though some health plans cover Cesarean deliveries, there are certain points which should be kept in mind.

    • A compulsory waiting period – Every health plan which covers maternity expenses would cover it after a waiting period. This period ranges from 2 years to 6 years and the period should be considered before buying the plan. Specialized maternity plans may have a lower waiting period but the concept of waiting period would be applicable in every plan providing maternity coverage. For instance, Niva Bupa (Formerly known as Max Bupa) Heartbeat Gold Plan covers Cesarean deliveries after a waiting period of 2 years while special maternity plan by  Religare Health 'Joy' covers it after 9 months.
    • Limitation on the coverage amount – There is a capping on the maximum allowable amount covering a Cesarean delivery. This capping depends on the amount of Sum Assured opted for and the plan variant. The amount usually ranges from Rs.40, 000 to Rs.1 lakh. So, before you buy the plan, check the allowable limit so that before you go for the delivery you would know the extent of the bill your health plan would cover.
    • Other maternity coverages – Other than your Cesarean delivery, some health plans also provide coverage for complications during child-birth, pre-natal and post-natal expenses and ambulance costs. Moreover, the new-born baby might also be included in the cover till policy renewal along with the baby’s related vaccination expenses.
    • Premium – Obvious to state, the premium for the plans which cover your Cesarean delivery would be on the higher side. Plans with maternity coverage always entail a higher premium for the coverage granted.

    Thus, your Cesarean delivery would be covered under health insurance plans but only some plans provide this coverage. Such plans include:

    Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Note: This is a sample list and may not cover the plans coming up in the market

    Rest assured! Your child birth expenses can be borne by the health insurance plan and while selecting a plan for such requirement, keep in mind the points mentioned above.

    Written By: PolicyBazaar - Updated: 13 November 2021
    Search
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    Is Crohn’s Disease Covered by Health Insurance Plans in India?

    14 Jan 2022

    A healthy digestive system is a sign of a healthy person. To keep...
    Read more
    Health Insurance Online v/s Offline: Which is Better?

    04 Jan 2022

    While buying a health insurance policy, you have the option to...
    Read more
    List of Diseases Covered by Max Bupa Health Insurance

    23 Dec 2021

    The COVID-19 pandemic has taught everyone to take their health...
    Read more
     List of Diseases Covered by Aditya Birla Health Insurance

    21 Dec 2021

    We are all surrounded by endless possibilities of contracting a...
    Read more
    Omicron COVID Variant: All You Need to Know

    08 Dec 2021

    The COVID-19 pandemic has been making the world dance to its tunes...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    How Senior Citizens can save Tax with Medical Bills u/s 80 D?
    Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income...
    Read more
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Read more
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer, the speculation continues regarding the difference between the...
    Read more
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL