Maternity Insurance

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

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Maternity insurance benefits
Pre & post-natal expenses covered
Normal & C-section deliveries
New born cover from day 1
Covers gynecologist consultation
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      What is Maternity Insurance?

      Maternity insurance is a type of health insurance policy that covers pregnant women and future mothers for all pregnancy-related expenses, including normal and C-section delivery costs. Most pregnancy insurance plans in India cover delivery expenses, pre & post-natal care, newborn baby expenses, hospital stays, medicine costs, medical tests, etc., providing financial security during one of life's most precious moments.

      Maternity health insurance is available for women who are already pregnant and those planning their pregnancies. Moreover, as per IRDAI, the maternity sum insured is available over and above the base sum insured of the mediclaim policy.
      What is Maternity Insurance?
      When to Purchase?

      When to Buy Maternity Health Insurance?

      Women should buy maternity health insurance as early as possible to finish serving the waiting period before they decide to start a family. All maternity insurance plans in India come with a waiting period of as low as 3 months. During this period, the insured women cannot claim any pregnancy-related expenses.

      Besides, buying at an early age ensures extensive pregnancy cover when needed, helping pregnant women manage the high costs of pre-natal care, delivery expenses, and post-natal care without any financial stress. Therefore, women are advised to opt for maternity insurance cover 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.
      Benefits of Maternity Insurance
      Pre & post natal treatments
      Pre & Post-natal Treatments
      Provides comprehensive care before & after childbirth and ensures essential healthcare for mother & baby.
      Normal delivery
      Normal Delivery
      Covers the natural childbirth process with minimal medical intervention.
      C-section delivery
      C-Section Delivery
      Coverage for surgical procedures performed to deliver a baby.
      IVF treatment
      IVF Treatment
      Process of assisting conception by fertilizing an egg outside the body & implanting the embryo in the uterus.
      Stem cell preservation
      Stem Cell Preservation
      Collecting and freezing the baby’s umbilical cord stem cells for potential future medical use.
      Newborn baby expenses
      Newborn Baby Expenses
      Covers the newborn baby’s medical expenses, including treatments and vaccinations. Insurance ensures a smooth start for your baby.
      View more benefits

      Maternity Health Insurance Expenses

      In India, the average cost of a normal or C-section delivery ranges from ₹25,000 to ₹2 lakh, depending on the city, hospital & the patient’s condition. As per an IIT Madras study, C-section deliveries in India have increased from 17.2% in 2016 to 21.5% in 2021, which are more expensive than normal deliveries.

      As regular health plans do not cover delivery expenses without maternity coverage, buying maternity health insurance is essential to cover high delivery expenses so that new parents can welcome their baby into this world without any worries.

      How much does it typically cost to have a Baby?
      List of maternity insurance plans in India
      Plan Name
      Delivery Expenses Limit (₹)
      Maternity Waiting Period
      Premium* (₹)
      View Details
      Aditya Birla ActivOne Maternity Plan
      50,000
      3 months
      32,540 (For a policy tenure of 3 years)
      Aditya Birla Activ Fit Preferred Plan
      40,000 or 60,000
      3 years
      16,766
      Care Joy Tomorrow Plan
      50,000
      2 years
      29,132 (For ₹5 lakh sum insured)
      ICICI Lombard Elevate Plan
      1 lakh
      2 years
      52,557 (With Maternity rider)
      ICICI Lombard Health AdvantEdge Plan
      1 lakh
      2 years
      35,151 (With Maternity rider)
      ManipalCigna ProHealth
      Prime Advantage Plan
      ManipalCigna ProHealth Prime Protect Plan
      1 lakh
      3 years
      24,458 (With Prime Enhanc Plus rider)
      21,027 (With Prime Enhance Plus rider)
      ManipalCigna Lifetime Plan
      1 lakh
      3 years
      30,740 (With Maternity Cover rider)
      Niva Bupa Health Premia Plan
      60,000
      2 years
      30,073
      Niva Bupa Aspire Gold+
      Niva Bupa Aspire Diamond+
      Niva Bupa Aspire Platinum+
      Niva Bupa Aspire Titanium+
      12,000
      4 years
      2 years
      9 months
      9 months
      15,200
      17,350
      19,370
      19,828
      Reliance Health Infinity Insurance Plan
      1 lakh or 2 lakh
      1 year/ 2 years
      70,593 (With More Cover option)
      Star Women Care Insurance Plan
      25,000 – 1 lakh
      2 years
      18,012
      Star Comprehensive Plan
      30,000 or 50,000
      2 years
      18,361
      Star Health Assure Insurance Plan
      1 lakh
      2 years
      19,777
      Star Health Young Star Gold Plan
      30,000
      3 years
      13,646
      Tata AIG Medicare Premier Plan
      1 lakh (For a boy child) 1.2 lakh (For a girl child)
      4 years
      21,861
      Zuno Health Insurance Gold & Platinum Plan
      50,000 (For Gold variant) 2 lakh (For Platinum variant)
      4 years
      18,195 (For ₹15 lakh sum insured under Gold variant) 25,320 (For ₹15 lakh sum insured under the Platinum variant)
      View more plans

      *Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

      What’s Covered & What’s Not Covered?
      Covered

      What’s Covered

      Normal delivery expenses
      C-section delivery expenses
      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
      IVF treatment
      Surrogacy
      Note: The pregnancy coverage mentioned above may not be included in all maternity health insurance plans. Please read the policy details carefully to learn about the exact coverage available.
      Not Covered

      What’s not Covered

      Pre-existing diseases affecting pregnancy
      Fertility treatments
      Diagnostic fees
      Expenses before the waiting period
      Congenital diseases
      Note: The coverages mentioned above are not included in our health plans. Please read the policy details to learn more about what each plan offers

      How we helped our customers

      Best Maternity Insurance Plans Available in India

      Aditya Birla ActivOne Maternity Plan

      The Aditya Birla ActivOne Maternity plan is one of the only two pregnancy insurance plans that provides coverage to women who are already pregnant along with future mothers. The plan offers the lowest maternity insurance waiting period in the industry of only 3 months. However, the pregnancy cover is available only under a policy tenure of 3 years and can be claimed only once in the lifetime of the policy.

      Features & Benefits:

      • Delivery expenses for both normal and C-section delivery are covered
      • Coverage for medically necessary and legally valid termination of pregnancy are available
      • Free health check-ups and non-medical expenses are covered
      • Unlimited restoration of the sum insured from day 1 and a 5X renewal bonus are available
      • No room rent limit is applicable
      Read more
      Aditya Birla Activ Fit Preferred 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
      Care Joy Tomorrow Maternity Insurance Plan

      Care Joy Tomorrow 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
      ICICI Lombard Elevate Plan

      The ICICI Lombard Elevate plan covers pregnancy-related medical expenses under the Maternity Package rider for women up to the age of 50 years. This pregnancy cover is available only under family floater plans where both the insured and the spouse are covered. Moreover, the plan covers a maximum of three deliveries or pregnancy terminations during the lifetime of the policy.

      Features & Benefits:

      • Delivery expenses for both normal and C-section deliveries are covered
      • Coverage for newborn baby treatments and vaccination are available
      • Both pre-natal and post-natal expenses are covered
      Read more
      ICICI Lombard Health AdvantEdge Plan

      The ICICI Lombard Health AdvantEdge plan provides maternity benefit to insured women under the Maternity Package rider. The cover is available to women up to the age of 45 years and for a maximum of three deliveries or terminations.

      Features & Benefits:

      • Coverage for delivery expenses and pregnancy complications are available
      • Both pre-natal and post-natal expenses are covered
      • Newborn baby cover and vaccination cover are available
      Read more
      ManipalCigna ProHealth Prime Advantage Insurance Plan

      ManipalCigna ProHealth Prime Insurance plan offers coverage for maternity expenses under its Advantage and Protect variants on opting for the Prime Enhanc Plus rider. However, the maternity cover is available for a maximum of two deliveries or terminations during the policy lifetime.

      Features & Benefits:

      • Medical expenses for both normal and C-sec deliveries are covered
      • Newborn baby and first-year vaccination cover are available
      • Cost of medically necessary and legally valid termination of pregnancy is covered
      • Coverage for pre or post-natal maternity expenses are available
      Read more
      ManipalCigna Lifetime Health Plan

      The ManipalCigna LifeTime Health plan offers coverage for pregnancy-related medical expenses incurred by the insured mother under the Maternity cover rider. The plan covers a maximum of two deliveries during the lifetime of the policy.

      Features & Benefits

      • Coverage for delivery expenses and medical termination of pregnancy are available
      • Cost of newborn baby treatments and first year’s vaccinations is covered
      • Surrogacy cover is also available
      • Infertility cover is available as an optional cover
      Read more
      Niva Bupa Health Premia Plan

      The Niva Bupa Health Premia plan provides coverage for maternity expenses and treatments availed by the newborn baby. However, this pregnancy cover 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
      • Pregnancy complications and medical termination of pregnancy are covered
      • Maternity expenses incurred outside India are covered under the Platinum variant subject to specific areas
      Read more
      Niva Bupa Aspire Plan

      Niva Bupa Aspire plan has introduced the M-iracle benefit, which offers extensive coverage against medical expenses resulting from pregnancy. It comes with a maternity insurance waiting period of as low as 9 months to up to 2 years, depending on the variant. Moreover, the plan carries forward any unutilized M-iracle sum insured for up to 10x with the Booster+ benefit.

      Features & Benefits:

      • Ante-natal check-ups and vaccines for the expecting mother are covered
      • Coverage for both normal and caesarean delivery are available
      • Surrogacy and delivery expenses of the surrogate mother are covered
      • Assisted reproduction techniques and infertility treatment cover are available
      • Medical termination of pregnancy and legal adoption charges are 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 treatment. The More Cover option can also be opted to increase the maternity coverage limit in this policy. However, this pregnancy cover is available only for policies with a tenure of 3 years.

      Features & Benefits:

      • Medical expenses incurred during childbirth are covered
      • Coverage for legally valid termination of pregnancy are available
      • Both pre-natal and post-natal expenses are covered
      • Newborn baby and vaccination cover are available
      Read more
      Star Women Care Insurance Plan

      The Star Women Care Insurance plan is the first in the industry to offer maternity coverage to women who are already pregnant, along with those planning their pregnancies. However, pregnant women must submit their scans between the 12th and 20th week of pregnancy to purchase this health insurance for women.

      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
      • No pre-acceptance medical screening is required except for pregnant women
      Read more
      Star Comprehensive Insurance Plan

      Star Comprehensive Insurance plan provides maternity coverage for delivery expenses and newborn baby treatment. However, this coverage is available only if both the insured woman and the spouse are covered in this policy on an individual or floater basis.

      Features & Benefits:

      • Coverage for normal and caesarean delivery expenses are available
      • Pre-natal and post-natal expenses are covered
      • Cost of newborn baby treatment, including congenital disorders, is covered
      • Vaccinations of the newborn baby for the first year are covered
      • No pre-acceptance medical screening is required
      Read more
      Star Health Assure Insurance Plan

      Star Health Assure Insurance plan provides comprehensive coverage for various maternity-related expenses, including childbirth. However, both the insured and their spouse should be covered in this policy either on an individual or floater basis to avail the maternity benefit.

      Features & Benefits:

      • Delivery expenses, including caesarean delivery, are covered
      • Coverage for pre-natal and post-natal expenses are available
      • In Utero Fetal surgery/ intervention and assisted reproduction techniques are covered
      • Newborn baby hospitalization expenses, including congenital disease treatment, are covered
      • No pre-acceptance medical screening is required
      Read more
      Star Health Young Star Gold Plan

      Star Health Young Star plan offers maternity cover to pregnant women under its Gold variant. The coverage is available for a maximum of two deliveries during the lifetime of the policy. However, a fresh waiting period of 2 years will apply once the first maternity claim is paid.

      Features & Benefits:

      • Cost of newborn baby delivery, including C-section delivery, is covered
      • Pre-natal expenses and post-natal expenses cover are available
      • No pre-acceptance medical screening is required
      Read more
      Tata AIG Medicare Premier Plan

      The Tata AIG Medicare Premier plan offers maternity coverage to insured women along with coverage for the newborn baby's treatment. The plan also offers a higher maternity coverage limit in case a girl child is born.

      Features & Benefits:

      • Coverage for newborn baby delivery are available
      • Treatment of a newborn baby is covered
      • First-year vaccination cover for newborn baby is also available
      Read more
      Zuno Health Insurance Plan

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

      Features & Benefits:

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

      FAQs

      • Q1. Is there any health insurance in India with maternity coverage?

        Ans: Yes. Several health insurance plans in India offer maternity coverage. However, the coverage is available after a waiting period of 3 months to 4 years.
      • Q2. Is maternity insurance worth it?

        Ans: Yes. Buying a maternity insurance policy is totally worth it as it covers the cost of childbirth, including delivery expenses, pre-natal & post-natal expenses, newborn baby treatments, medicines and newborn baby's vaccinations. Thus, it provides financial support to cover all pregnancy-related medical expenses, allowing you to welcome your child without financial worries.
      • Q3. Why should I buy maternity insurance?

        Ans: Maternity insurance can help you cover the high costs associated with childbirth, pre-natal, and post-natal care, medical termination of pregnancy, newborn baby treatment and vaccination, etc., ensuring financial security and peace of mind during pregnancy.
      • Q4. When should I buy maternity insurance?

        Ans: It is best to buy maternity insurance well before planning a pregnancy, as all policies have a waiting period of 3 months to 4 years.
      • Q5. Can I buy maternity insurance if I am already pregnant?

        Ans: Yes, you can buy maternity insurance if you are already pregnant.
      • Q6. What is the minimum waiting period for maternity insurance?

        Ans: The minimum maternity insurance waiting period is 3 months, offered by the Aditya Birla ActivOne Maternity plan.
      • Q7. Can we claim 2 insurance for maternity?

        Ans: Yes. You can claim two pregnancy insurance policies to pay for your maternity expenses.
      • Q8. Can husband and wife claim maternity?

        Ans: Yes. Both husband and wife can claim maternity insurance if they are covered in the policy
      • Q9. Are maternity insurance plans with no waiting period available?

        Ans: No. All maternity insurance plans come with a waiting period ranging from 3 months to 4 years
      • Q10. Is third childbirth covered under maternity insurance plans?

        Ans: Most maternity insurance plans provide coverage for only two living children. However, a few pregnancy insurance plans cover delivery expenses and pregnancy terminations for up to three children.
      • Q11. Where can I check my maternity insurance premium?

        Ans: You can use a maternity insurance premium calculator on Policybazaar.com to check the estimated price of your desired pregnancy insurance plan.
      • Q12. Can my newborn baby get covered under the maternity policy?

        Ans: Yes. Your newborn baby can be covered under your maternity insurance policy under the mid-term inclusion policy. However, you need to inform your insurance company about the birth of your baby within the first 90 days of its birth.
      • Q13. What should I consider before buying a maternity insurance policy?

        Ans: Before buying a maternity insurance policy, you must check the following things:
        • Maternity insurance waiting period
        • Number of children covered
        • Coverage for newborn baby
        • Eligibility criteria
        • Coverage for medically necessary termination
        • Additional benefits
      • Q14. How do I choose the best maternity insurance plan?

        Ans: You can compare various maternity health insurance plans online on Policybazaar.com based on the delivery expenses limit, minimum waiting period, exclusions, smooth claim process, and additional benefits to find the best fit for your needs. You can also consult an insurance advisor on Policybazaar.com to choose the most suitable pregnancy insurance plan for yourself.
      • Q15. Can I add maternity coverage to my existing health insurance plan?

        Ans: Yes. You can add maternity coverage as a rider or add-on to your existing health insurance policy at the time of renewal. However, you may have to serve a waiting period to claim maternity expenses. Therefore, make sure to clearly understand the terms and conditions of your maternity cover to avoid claim rejections.
      • Q16. How does the claims process work for maternity insurance?

        Ans: In the case of cashless claims, you need to inform your insurer about your hospitalization within the stipulated time frame. Once the baby is born and you are discharged, the insurer will settle the claim amount with your network hospital
        In case of reimbursement claims, notify your insurer before hospitalization, pay the hospital bills during discharge and submit required documents like hospital bills to the insurance company. Your insurer will verify all the documents and pay you the claim amount.
      • Q17. Is there a maximum limit on maternity insurance claims?

        Ans: Yes, most maternity health insurance policies allow a maximum of two delivery expenses or pregnancy termination claims in the lifetime of the policy. However, some plans allow a maximum of three delivery or pregnancy termination claims during the policy’s lifetime. Therefore, you must check your policy document to know the exact maternity terms and conditions.
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