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      Maternity Insurance Plans

      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost of delivery, hospitalization, pre & post-natal care, medical tests, medicines and newborn baby expenses. A maternity insurance policy helps women financially prepare for growing a baby, as pregnancy is an expensive affair.

      Read More

      What is Maternity Insurance?

      Maternity insurance is a type of health insurance policy that offers coverage for all pregnancy-related expenses, including normal and C-section delivery costs. Most insurance companies cover pre & post-natal expenses and newborn baby expenses under their maternity insurance policy. Moreover, most corporates offer maternity benefits as part of their health insurance policy or as a rider to their women employees.

      All maternity insurance plans in India come with a waiting period, ranging from a minimum of 9 months to a maximum of 6 years. During this period, the insured women cannot claim any pregnancy-related expenses. Therefore, women are advised to opt for a maternity insurance cover for at least a few years before starting a family. Moreover, they must check the maternity insurance waiting period before buying any policy, as it may vary from plan to plan.

      List of Maternity Insurance Plans in India

      Take a look at some of the best health insurance plans with maternity coverage available in India:

      Plan Name Delivery Expenses Limit (Rs) Maternity Waiting Period Entry Age View Details
      Aditya Birla Activ Fit Plan 40,000/ 60,000 3 years 18-45 years View Plan
      Bajaj Allianz Health Guard Policy 15,000 – 35,000 6 years 18-65 years View Plan
      Care Joy Maternity Insurance Plan 35,000 – 50,000 9 months/ 2 years 18-45 years View Plan
      Cholamandalam Flexi Health Supreme Plan 50,000/ 1 lakh 3 years 18-75 years View Plan
      Digit Health Care Plus Policy 10,000 – 5 lakh 2 years 18 years onwards View Plan
      Future Generali Health Absolute Plan 25,000 - 2 lakh 2 years/ 4 years 18 years onwards View Plan
      HDFC ERGO my:health Suraksha Plan 15,000 – 2 lakh 4 years 18-45 years View Plan
      Kotak Mahindra Health Premier Plan - 3 years 18-65 years View Plan
      Liberty HealthPrime Connect Plan 1 lakh/ 1.5 lakh 2 years 18-65 years View Plan
      Magma HDI OneHealth Insurance Plan 50,000/ 1 lakh 4 years 18 years onwards View Plan
      ManipalCigna ProHealth Insurance Plan 15,000 – 2 lakh 4 years 18-45 years View Plan
      National Parivar Mediclaim Plus Policy 30,000 – No limit 2 years 18-45 years View Plan
      New India Assurance Yuva Bharat Health Policy 25,000 - 1 lakh 2 years 18-45 years View Plan
      Niva Bupa Heartbeat Insurance Plan 40,000 - 2 lakh 2 years 18 years onwards View Plan
      Oriental Youth Eco Care Plan 50,000 - 1 lakh 2 years 18-45 years View Plan
      Reliance Health Infinity Insurance Plan 1 lakh, 2 lakh 1 year/ 2 years 18-45 years View Plan
      Royal Sundaram Family Plus Plan 50,000 2 years 18 years onwards View Plan
      SBI Super Health Insurance Plan 25,000 - 2 lakh 2 years/4 years 18 years onwards View Plan
      Star Women Care Insurance Plan 25,000 – 1 lakh 2 years 18-75 years View Plan
      Tata AIG Medicare Premier Plan 50,000 – 1.2 lakh 4 years 18-65 years View Plan
      United India Family Medicare Plan 40,000/ 60,000 2 years 18-65 years View Plan
      Universal Sompo Complete Healthcare Insurance Plan 15,000 - 2 lakh 3 years 18-45 years View Plan
      Zuno Health Insurance Plan 50,000/ 2 lakh 4 years 18 years onwards View Plan
      See More Plans

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

      Inclusions of Maternity Insurance Plans

      A maternity insurance plan includes the following coverage:

      • Delivery expenses
      • C-section delivery
      • In-patient hospitalization expenses
      • Pre or post-natal care expenses
      • Newborn baby expenses
      • Medically necessary pregnancy termination expenses
      • Newbaby’s vaccination expenses
      • Pregnancy complications
      • Stem cell preservation

      Exclusions of Maternity Insurance Plans

      The following expenses are excluded from a maternity insurance policy:

      • Ectopic pregnancy
      • Pre-hospitalization expenses
      • Post-hospitalization expenses
      • Medical tests and consultation before delivery
      • Regular check-up
      • Surrogacy
      • Hospital cash benefit

      Best Maternity Insurance Plans Available in India
      Aditya Birla Activ Fit Plan

      The Aditya Birla Activ Fit plan offers coverage for maternity expenses under the Preferred variant. It accepts claims for up to two pregnancy events, including delivery and termination in the insured’s lifetime.

      Features & Benefits:

      • Coverage for normal delivery and C-section delivery are available
      • Pre-natal and post-natal expenses are covered
      • Newborn baby treatment and vaccination expenses are covered
      • Stem cell preservation cover is also available
      Read more
      Bajaj Allianz Health Guard Plan

      The Bajaj Allianz Health Guard plan covers maternity and newborn baby expenses under its Gold and Platinum variants. This plan allows a maximum of two deliveries or terminations throughout the policy lifetime of the insured woman.

      Features & Benefits:

      • Normal and caesarean deliveries are covered
      • Coverage for pre-natal and post-natal expenses are available
      • Post-delivery complications are covered
      • Newborn baby cover is also available
      • Lawful termination of pregnancy is also covered
      Read more
      Care Joy Maternity Insurance Plan

      Care Joy Maternity Insurance plan has been designed to cover the maternity health needs of pregnant women. The plan offers coverage for maternity expenses as well as newborn baby treatments.

      Features & Benefits:

      • Coverage for maternity expenses are available
      • Pre-natal expenses and post-natal expenses are covered
      • Newborn baby cover is available
      • Treatment for newborn baby defects is also covered
      • No pre-policy medical check-up is required
      Read more
      Cholamandalam Flexi Health Supreme Plan

      The Chola Flexi Health Supreme plan covers coverage for maternity expenses under its Plus and Premiere variants. However, the coverage is only available for up to two deliveries or terminations.

      Features & Benefits:

      • Delivery expenses for normal and caesarean procedures are covered
      • Newborn baby cover is available
      • Cost of newborn baby expenses is covered
      • Coverage for infertility treatment are available
      • Lawful medical termination of pregnancy is covered
      Read more
      Digit Health Care Plus Policy

      The Digit Health Care Plus policy offers maternity benefit and newborn baby cover as an optional benefit. This plan comes with unlimited lawful and medically necessary pregnancy terminations.

      Features & Benefits:

      • Medical expenses incurred on delivery of a newborn baby are covered
      • Newborn baby cover is available, including vaccination cover
      • Treatment expenses for any pregnancy complications are covered
      • Coverage for medically necessary termination of pregnancy are available
      Read more
      Future Generali Health Absolute Plan

      Future Generali Health Absolute is a comprehensive plan that covers medical expenses incurred during pregnancy. The plan offers additional coverage of Rs 10,000 in case a girl child is born.

      Features & Benefits:

      • Coverage for normal delivery and caesarean delivery are available
      • Pre-natal and post-natal hospitalization expenses are covered
      • Newborn baby treatment and vaccination cover are available
      • Miscarriage and lawful medical termination of pregnancy are covered
      • Infertility treatment cover is also available
      Read more
      HDFC ERGO my:health Suraksha Plan

      The HDFC ERGO my:health Suraksha plan offers maternity coverage for mother and newborn baby under Parent & Child Care Cover – Basic and Parent & Child Care Cover – Booster as optional covers. The plan also comes with the option to reduce the maternity benefit waiting period from 4 years to 2 years or 3 years.

      Features & Benefits:

      • Medical expenses incurred on normal and caesarean deliveries are covered
      • Coverage for pre-natal and post-natal OPD expenses are available
      • Treatment of the newborn baby and vaccination expenses are covered
      • Lawful medical termination of pregnancy is also available
      • Cost of infertility treatment is also covered
      Read more
      Kotak Mahindra Health Premier Plan

      Kotak Mahindra Health Premier offers comprehensive coverage for medical expenses incurred during pregnancy. However, the coverage is available for a maximum of two deliveries during the policy lifetime.

      Features & Benefits:

      • Both normal and caesarean delivery expenses are covered
      • Coverage for pre-natal and post-natal expenses are available
      • Newborn baby cover is available
      • Vaccination expenses of the newborn baby are covered for two years
      Read more
      Liberty HealthPrime Connect Plan

      The Liberty HealthPrime Connect plan covers maternity and child care expenses under its Optimum and Optimum Plus variants. However, this maternity insurance cover is available under family floater plans only.

      Features & Benefits:

      • Coverage for normal and C-sec deliveries are available
      • Antenatal and post-natal charges are covered
      • Newborn baby cover and umbilical cord stem cell banking allowance are available
      • Cost of newborn baby screening expenses are covered
      • Infertility treatment cover is also available
      • Newborn baby vaccination expenses are covered for 3 years
      Read more
      Magma HDI OneHealth Insurance Plan

      The Magma HDI OneHealth Insurance plan offers maternity benefit as an in-built cover under the Premium variant and as an add-on cover for other variants. However, this benefit is available under family floater plans only.

      Features & Benefits:

      • In-patient delivery expenses are covered
      • Coverage for abortion and miscarriage are available
      • Newborn baby treatment and first-year vaccination expenses are covered
      • IVF treatment cover is also available
      Read more
      ManipalCigna ProHealth Insurance Plan

      ManipalCigna ProHealth Insurance offers coverage for maternity expenses under their Plus, Preferred and Premier variants. The plan also comes with a ‘Reduction in Maternity Waiting Period’ as an optional cover that brings the waiting period down to 2 years only.

      Features & Benefits:

      • Medical expenses for both normal and C-sec deliveries are covered
      • Newborn baby and first-year vaccination cover are available
      • Cost of lawful termination of pregnancy are covered
      • No pre-policy medical check-up is required under Plus and Preferred variants
      Read more
      National Parivar Mediclaim Plus Policy

      The National Parivar Mediclaim Plus policy covers maternity expenses incurred during pregnancy with no coverage limit under Plan A and Plan B. The plan also covers ectopic pregnancy under the in-patient treatment cover.

      Features & Benefits:

      • Coverage for both normal and caesarean deliveries are available
      • Pre-natal and post-natal expenses are covered
      • Lawful termination of pregnancy cover is available
      • Cost of the newborn baby’s treatment and first-year vaccination is covered
      • Coverage for infertility treatment and surrogacy are available
      Read more
      New India Yuva Bharat Health Policy

      The New India Yuva Bharat Health policy offers comprehensive coverage against medical expenses arising out of pregnancy. The maternity benefit is available under the Platinum variant. Moreover, the policy offers Enhanced Maternity limit benefit as a rider on payment of an additional premium.

      Features & Benefits:

      • Newborn delivery and treatment expenses are covered
      • Birth right benefit and newborn baby vaccination cover are available
      • Treatment expenses for pre mature/ pre-term baby are covered
      • Coverage for internal and external congenital diseases are available
      • Infertility treatment are also covered
      • No pre-policy medical check-up is required
      Read more
      Niva Bupa Heartbeat Insurance Plan

      The Niva Bupa Heartbeat Insurance plan provides coverage for maternity expenses and treatments availed by the newborn baby. However, this coverage is available only under family floater or family first plans.

      Features & Benefits:

      • Delivery expenses for a newborn baby are covered
      • Coverage for newborn baby treatments and first-year vaccination are available
      • Treatments for pregnancy complications and termination are covered
      Read more
      Oriental Youth Eco Care Plan

      Oriental Youth Eco Care offers maternity cover to pregnant women under its Premium variant. It is available for two deliveries or terminations throughout the policy lifetime. However, women who already have two living children are not eligible for the maternity benefit.

      Features & Benefits:

      • In-patient delivery expenses are covered
      • Coverage for lawful medical termination of pregnancy is available
      • Assisted reproduction treatment is also covered
      Read more
      Reliance Health Infinity Insurance Plan

      Reliance Health Infinity Insurance is a comprehensive health plan that covers medical expenses incurred during pregnancy and on newborn baby’s treatment. However, this cover is available only for policies with a tenure of 3 years.

      Features & Benefits:

      • Medical expenses incurred during childbirth are covered
      • Coverage for lawful termination of pregnancy are available
      • Both pre-natal and post-natal expenses are covered
      • Newborn baby and vaccination cover are available
      Read more
      Royal Sundaram Family Plus Plan

      The Royal Sundaram Family Plus plan provides coverage for maternity expenses incurred by the insured women. This benefit is available only under family floater cover comprising of two adult members for a maximum of two deliveries in the lifetime of the insured.

      Features & Benefits:

      • Cost of delivering a baby is covered
      • Newborn baby cover and nutrition allowance for mothers are available
      • First-year vaccination expenses of the baby are covered
      • Coverage for miscarriage due to accidents are available
      Read more
      SBI Super Health Insurance Plan

      The SBI Super Health Insurance plan covers maternity expenses incurred during childbirth. The coverage is available only under its Premier, Platinum and Platinum Infinite variants.

      Features & Benefits:

      • Expenses for both C-sec and normal deliveries are covered
      • Newborn baby cover and child vaccination are available
      • Pre-natal and post-natal check-ups are covered
      Read more
      Star Women Care Insurance Plan

      The Star Women Care Insurance policy provides comprehensive coverage to pregnant women for various maternity-related expenses. This policy can also be purchased by women who are already pregnant on submitting their scans between the 12th and 20th week of pregnancy.

      Features & Benefits:

      • Delivery expenses, ante-natal care and pre & post-natal expenses are covered
      • Assisted reproduction treatment cover and in utero fetal surgery/repair cover are available
      • Hospitalization expenses for newborn baby treatment and external & internal congenital expenses are covered
      • Coverage for metabolic screening, vaccination and paediatric consultation of the baby are available
      • Voluntary sterilization expenses and accidental miscarriage expenses are also covered
      Read more
      Tata AIG Medicare Premier Plan

      The Tata AIG Medicare Premier plan offers maternity cover to insured women for an unlimited number of pregnancies. The plan also offers a higher coverage limit in case a girl child is born.

      Features & Benefits:

      • Coverage for medical expenses incurred during delivery are available
      • Treatment cost of a newborn baby are covered
      • Vaccination cover for newborn baby is also available
      Read more
      United India Family Medicare Plan

      The United India Family Medicare plan covers maternity expenses and newborn baby expenses as an optional cover. This benefit is available only if the base sum insured of the policy is above Rs 3 lakh. However, the coverage is not available for people who already have two or more living children.

      Features & Benefits:

      • Both normal and C-section deliveries are covered
      • Coverage for lawful termination of pregnancy are available
      • Expenses incurred on newborn baby’s treatment are also covered for up to 90 days
      • No pre-policy medical check-up is required
      Read more
      Universal Sompo Complete Healthcare Insurance Plan

      Universal Sompo Complete Healthcare Insurance has been designed to offer coverage for maternity and childcare benefits. The insurance company offers this benefit under the Essential, Privelege, Plus, Premier and Executive variants.

      Features & Benefits:

      • Medical expenses incurred on normal and C-section deliveries are covered
      • Coverage for pre-natal and post-natal expenses are available
      • Newborn baby expenses are also covered
      Read more
      Zuno Health Insurance Plan

      The Zuno Health Insurance policy provides coverage for maternity expenses incurred by the insured mother. The maternity benefit is available only under their Gold and Platinum variants. However, the plan does not cover newborn baby expenses.

      Features & Benefits:

      • Cost of delivering a baby are covered
      • Coverage for voluntary and involuntary termination of pregnancy are available
      • No pre-policy medical check-up is required
      Read more
      View more plans

      Disclaimer: This is an extensive list of the insurers offering maternity cover. The ranking of the insurance companies in this content is not in any particular order and has not been complied as per the IRDAI ranking.

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