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Top 3 Best Health Insurance Plans with Maternity Coverage

Planning a new baby can be an expensive affair as well. Not only do you have to take into consideration the expenses for the new baby, but you have to plan well in advance for the deliver charges of the baby. A package for the delivery of your baby can cost you anything between Rs 50,000- Rs 1 lakh. In order to be prepared to take on such expenses, you can opt for a health insurance for pregnant women and thus lessen your burden. To help you choose a suitable coverage to cover child birth and pregnancy-related expenses, we discuss three best maternity insurance plans presently available in the market along with their features to help you make a comparison.


Star Wedding Gift Health Insurance Plan

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.

Major Attractions

  • Covers expenses for both Normal and Caesarean delivery
  • Provides coverage for the new born baby
  • Provides cover for non-allopathic treatment, up to a certain limit
  • Covers regular hospitalization
  • This policy is available for a one year and a two-year term

Key Features

  • This policy can be taken by any couple in the age group of 18-40 years
  • The pregnancy insurance policy will cover one insured member along with the spouse and dependent children
  • The policy is renewable up to 45 years
  • Offers a minimum sum assured of Rs 3 lakhs and a maximum sum assured of Rs 5 lakhs
  • It will cover up to a maximum of two deliveries
  • Eligibility to avail tax benefits under Section 80D of the Income Tax Act
  • It offers a free look-up period of 15 days during which you can review the policy and return it if it doesn’t suit you
  • No medical screening required for pre-acceptance


Covers Delivery Expenses

  • This cover includes expenses covering delivery of the baby, whether it is Caesarean or a Normal delivery
  • Will cover pre and post-natal expenses
  • Will cover any complications post-delivery, if it arises

Cover for Hospitalisation

  • Will cater to nursing, boarding and room charges, upto a maximum of Rs 4,000 each day
  • Will bear hospitalisation expenses, provided patient has been admitted for a minimum time of 24 hours
  • Will cover surgeon, doctor, specialist charges
  • Will cover expenses for drugs and medicines related to childbirth
  • Emergency ambulance charges also included

Care for the New Born Baby

  • This will include care for the new born baby in case of any congenital disorders.

Offers Free Benefits

  • It will offer a maximum of Rs 1000 towards tests related to the detection of defects in the Foetus.

Covers Pre-existing Diseases

  • Pre-existing diseases will be covered after the completion of four years with the company

Covers Pre and Post-Hospitalisation Charges

  • Pre hospitalisation expenses will be taken care of up to 30 days before the date of admission
  • A maximum of Rs 5000 is payable towards post hospitalisation charges
  • This cannot be claimed as child delivery charges

A Few Exclusions

  • 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, act of foreign enemy etc.
  • Expenses related to contact lens, spectacles, crutches, wheel chairs, hearing aids
  • Cosmetic treatments of any kind
  • Any diagnostic expenses

The Plan Offers Portability

This health insurance with maternity coverage is portable and you can port it to another insurer. However, for this an application has to be made at least 45 days prior to the renewal date.

You may also like to read: Maternity Insurance: All You Need To Know

Royal Sundaram Health Insurance Plan

Royal Sundaram’s Total Health Plus plan is a good policy that covers health insurance for pregnant women. The maternity benefit provided by the plan ranges from Rs 30,000 to Rs 50,000. Royal Sundaram is the first private sector insurance company in India and hence it can be a trustworthy option for you. You can consider this plan if you are planning a child going forward and need pregnancy insurance.

Major Attractions

  • Good health insurance with maternity coverage
  • Provides pre and post hospitalisation cover
  • There is no co-pay clause
  • Comes with lifelong renewability

Key Features

  • Minimum age is 18 years and there is no maximum age as it comes with lifetime renewability
  • Comes in two variants, individual and floater
  • The policy tenure comes with three options, one, two and three years, which you choose as per your convenience. You can avail a discount of 7.5% on the two year term and a discount of 12% on the three year tenure.
  • Comes with a grace period of 30 days for renewal.
  • Offers a free look up period of 15 days within which you can return the policy
  • Maximum family members that can be included is two adults and up to four children


  • Covers pre and post-hospitalisation charges
  • All day procedures are covered
  • Includes inpatient hospitalisation charges including room charges, doctor, surgeon, nurse fees, cost of equipment etc.
  • Will reimburse medical expenses when you cannot be moved to the hospital due to health conditions or the unavailability of a bed for a period of over three days
  • For pregnancy insurance, it covers maternity expenses for up to a maximum of two deliveries, provided both husband and wife are covered under the same family floater plan
  • The plan covers expenses for the new born baby as wel as vaccination expenses for the new born child
  • There is a waiting period of 36 months in order to avail maternity benefits

A Few Exclusions

  • Disorders or conditions related to addiction of various kinds
  • Dental and oral conditions and their treatment
  • Hereditary conditions not included
  • Any disease or injury caused directly or indirectly by war, acts of terrorism, act of foreign enemy etc.
  • Diagnostic tests, X-rays and laboratory examinations
  • Cosmetic surgeries

Cigna TTK Insurance ProHealth Plus Plan

Cigna TTK ProHealth Plus Plan is one of the best health insurance plans available in the Indian market presently that will provide pregnancy insurance along with value for money. Let us take a look at this plan to understand it better.

Major Attractions

  • Gives out an additional cumulative bonus as a perk
  • Offers various discounts on the premium upto a maximum of 30%
  • Has features like Protectiv Healing and ProActiv Living
  • Provides maternity benefit by covering pre and post hospitalisation cover
  • Mandatory co-pay has been waived off
  • Comes with the flexibility to port the insurance policy

Key Features

  • The minimum entry age is 18 years for adults, while there is no maximum age for entry
  • There is no renewal age limit
  • There are three options for sum assured to choose from: Rs 4.5 lakhs, Rs 7 lakhs and Rs 10 lakhs
  • The age and the sum assured determines if a medical examination will be required
  • You can choose between a policy term of 1, 2 or 3 years


  • Covers pre and post-hospitalisation charges
  • All day procedures are covered
  • Under maternity benefits the policy provides coverage for upto Rs 15,000 for a normal delivery and coverage of Rs 25,00 for a Caesarean delivery. There is a waiting period of 48 months in order to avail maternity benefits
  • Covers expenses for complications in new born babies along with hospitalisation expenses
  • Covers expenses for the new born baby’s vaccinations for up to a year
  • Includes inpatient hospitalisation charges including room charges, doctor, surgeon, nurse fees, cost of equipment etc.

A Few Exclusions

  • Complications related to HIV/AIDS
  • Suicide or self-afflicted injuries
  • Mental disorders
  • Drug problems
  • Losses related to child birth or pregnancy

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!

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