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.

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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 offers coverage for all pregnancy-related expenses, including normal and C-section delivery costs. Most insurance covers pre & post-natal and newborn baby expenses, hospital stays, delivery costs, and doctor visits, providing financial security during one of life's most precious moments. Maternity coverage is over and above your base sum insured.
      What is Maternity Insurance?
      When to Purchase?
      When to Purchase?
      Buying maternity insurance early ensures you are covered when needed, helping you manage the high costs of prenatal care, delivery, and postnatal care without financial stress. All maternity insurance plans in India come with a waiting period of as low as 9 months. 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.
      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
      It is a natural childbirth process with minimal medical intervention.
      C-section delivery
      C-section delivery
      It is a surgical procedure used to deliver a baby.
      IVF treatment
      IVF treatment
      It assists 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
      Baby medical expenses can be overwhelming. Insurance ensures a smooth start for your baby.
      List of maternity insurance plans 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
      Care Joy Tomorrow Plan
      50,000
      2 years
      29,132 (For ₹5 lakh sum insured)
      ManipalCigna ProHealth Prime Advantage Plan
      1 lakh
      3 years
      24,458 (With Prime Enhancer 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 Platinum variant)
      How much does it typically cost to have a Baby?
      What are the usual expenses for maternity medical care?
      What’s covered & what’s not covered
      Covered
      What’s covered
      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 coverage mentioned above might not be included in all our health plans. Please read the policy details to learn more about what each plan offers.
      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
      Note: The coverage mentioned above might not be included in all our health plans. Please read the policy details to learn more about what each plan offers.

      How we helped our customers
      Claim highlight
      Problems Faced
      Shyam Sundar
      Insurance ka Superhero
      calendar02 Aug 2022

      Spreading Smiles: Policybazaar and Niva Bupa come Together to Settle Customer Claims

      Summary
      Problems Faced
      Problem faced
      Hospital not allowing claim for day care treatment
      Helped
      How we helped
      Contacted Niva Bupa manager to ensure Mr Sundar gets full claim for his day care procedure
      Claim details
      Policy
      Niva Bupa Reassure
      Relationship manager
      Hina Gupta
      Date of Claim
      27 Jul 2022
      Location
      Apollo Hospital

      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
      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.

      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.

      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

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      Medical Bills
      Medical Bills
      medical-bills
      medical-bills
      medical-bills
      medical-bills
      The attached maternity bills are provided for reference purposes only. Please note that actual bills may vary.

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