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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 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.

      List of Maternity Insurance Plans in India

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

      Plan Name Delivery Expenses Limit (₹) Maternity Waiting Period Premium* (₹) View Details
      Aditya Birla Activ Fit Preferred Plan 40,000 or 60,000 3 years 16,766 View Plan
      Care Joy Tomorrow Plan 50,000 2 years 29,132
      (For ₹5 lakh sum insured)
      View Plan
      ManipalCigna ProHealth Prime Advantage Plan 1 lakh 3 years 24,458
      (With Prime Enhancer rider)
      View Plan
      Niva Bupa Health Premia Plan 60,000 2 years 30,073 View Plan
      Niva Bupa Aspire Plan 12,000 4 years (For Gold+ variant)
      2 years (For Diamond+ variant)
      9 months (For Platinum+ and Titanium+ variant)
      15,200 (For Gold+ variant)
      17,350 (For Diamond+ variant)
      19,370 (For Platinum+ variant)
      19,828 (For Titanium+ variant)
      View Plan
      Reliance Health Infinity Insurance Plan 1 lakh or 2 lakh 1 year/ 2 years 70,593
      (With More Cover option)
      View Plan
      Star Women Care Insurance Plan 25,000 – 1 lakh 2 years 18,012 View Plan
      Star Comprehensive Plan 30,000 or 50,000 2 years 18,361 View Plan
      Star Health Assure Insurance Plan 1 lakh 2 years 19,777 View Plan
      Star Health Young Star Gold Plan 30,000 3 years 13,646 View Plan
      Tata AIG Medicare Premier Plan 1 lakh (For a boy child)
      1.2 lakh (For a girl child)
      4 years 21,861 View Plan
      Zuno Health Insurance Plan & Gold with Health 241 Add-on 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 Platinum variant)
      View Plan
      See More Plans

      *Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. The above premium is for two adults in Delhi of 32 years, opting for a sum insured of ₹10 lakh.

      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
      • IVF treatment
      • Surrogacy

      Note: The exact coverage in a maternity insurance plan may differ from one plan to another.

      Exclusions of Maternity Insurance Plans

      The following expenses are excluded from a maternity insurance policy:

      • Ectopic pregnancy
      • Pre-hospitalization expenses
      • Post-hospitalization expenses
      • Regular check-up
      • Hospital cash benefit

      Note: The exact exclusions in a maternity insurance plan may differ from one plan to another.

      Best Maternity Insurance Plans Available in India
      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
      ManipalCigna ProHealth Prime Advantage Insurance Plan

      ManipalCigna ProHealth Prime Insurance plan offers coverage for maternity expenses under its Advantage variant on opting for the Prime Enhancer rider. However, the coverage 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 lawful termination of pregnancy is covered
      • Coverage for pre or post-natal maternity expenses are available
      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 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
      • 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. 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 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
      Star Women Care Insurance Plan

      The Star Women Care Insurance policy has been designed to provide comprehensive coverage to pregnant women for various maternity-related expenses. This policy can also be purchased by women who are already pregnant by 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
      • No pre-acceptance medical screening is required except for pregnant women
      Read more
      Star Comprehensive Insurance Plan

      Star Comprehensive Insurance plan provides coverage for delivery expenses and newborn baby treatment. However, this coverage is available only if the insured women and their 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. The plan also offers a higher 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
      View more plans

      Disclaimer: This is an extensive list of 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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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *The scope of coverage may vary from plan to plan.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

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