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Extensive coverage for you and your family
Covers pre- and post-hospitalisation expenses
Protects against high medical costs
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A maternity insurance plan is a type of health insurance plan that helps cover expenses related to pregnancy and childbirth. Note that Health insurance usually doesn’t cover these costs, and they often come with a waiting period. However, a maternity insurance policy helps you meet various pre- and post-natal expenses and delivery charges, among others. Some policies can also cover the newborn's vaccination expenses depending on the policy’s terms and conditions.
Maternity insurance is needed to:
Childbirth expenses can easily run into several thousand rupees. A maternity insurance policy helps you meet the high costs with ease. It reduces out-of-pocket expenses.
Several maternity insurance policies allow cashless hospitalisation. This ensures you don’t have to worry about making upfront payments, and that your spouse and child have access to quality care without delay.
Childbirth comes with various pre-and post-natal expenses that can significantly push your expenses. A maternity insurance policy helps you meet them with ease, ensuring top-quality care for the child and mother.
This is another major benefit. A maternity insurance plan may also cover the medical expenses of your newborn child up to a certain period. This may include vaccination costs.
While the specifics may differ across policies, to buy the policy:
Talk to your insurer before buying the policy to know the specific eligibility criteria.
When you buy health insurance, you can opt for maternity and newborn coverage as an add-on. If you do so, you need to pay an additional premium. Generally, there's a waiting period for maternity and newborn coverage in a health insurance policy. However, you can reduce this waiting period with an add-on. For example, maternity health insurance generally has a waiting period of 24 months – and this can be reduced to 12 months by opting for add-ons or optional covers.
Some key features of a maternity health insurance plan are as follows:
Maternity insurance offers comprehensive coverage, including pre-and-postnatal expenses, costs for vaccination, etc.
You can buy maternity health insurance online in a few clicks, hassle-free.
The premiums paid towards a maternity health insurance plan qualify for tax exemption under section 80D of the Income Tax Act under the old tax regime.
The advantages of maternity health insurance are multi-fold. These include:
Though specifics may differ across policies, here are some inclusions of a maternity insurance plan:
This insurance policy covers maternity expenses incurred during childbirth. This could be a flat sum insured or a certain percentage of the annual sum insured by a health policy offering maternity cover. The policy also covers expenses related to the medically recommended lawful termination of pregnancy only for life-threatening situations, subject to a maximum of 3 terminations.
The policy covers prenatal (from conception until baby delivery) and postnatal (after childbirth) expenses. Generally, postnatal expenses incurred on an inpatient basis up to 30 days from the date of baby delivery are covered.
A maternity health insurance plan covers medical expenses incurred on hospitalisation (for a minimum consecutive 24 hours) of a newborn baby. Note that costs are covered for a specific period - a maximum of 90 days from the baby’s birth.
A maternity insurance plan covers vaccination expenses for newborn babies until they are one year old during the policy period, subject to a maximum limit as per the policy’s terms and conditions (₹10,000 max).
Maternity insurance has certain exclusions. Exclusions are events under which you will not be covered under a maternity health insurance plan. These include:
As maternity health insurance has a waiting period, it’s best to purchase it a couple of years before family planning. This ensures you meet the waiting period clause and get coverage during pregnancy and childbirth. Compare different plans and choose the best that fits your needs.
You need to provide basic documents related to identity and address to buy maternity health insurance. These could be:
Your insurer will inform you if you need to produce any additional documents to buy this plan, which could be medical reports in certain cases.
This blog covers meaning of 5 lakh health plan, eligibility, benefits, coverage/exclusions, premium factors, add-ons, comparison with higher sum-insured options and buying tips.
This article explains meaning, types, coverage, inclusions, exclusions and how cashless claims work under hospitalisation health insurance.
This article explains how maternity coverage works, why most plans include waiting periods, options for instant coverage through corporate plans and tips to reduce waiting time.
While you can purchase maternity insurance if you are pregnant, note that coverage kicks-in only after the waiting period.
While you can purchase maternity insurance if you are pregnant, coverage kicks in only after the waiting period.
If both husband and wife have separate policies, they can claim maternity insurance from their respective policies.
Maternity health insurance provides holistic coverage during pregnancy and childbirth. It eases financial burden and also covers pre- and post-natal expenses.
It differs across policies. While most maternity insurance policies do cover the third childbirth, it’s advisable to read the policy wording for it. This will ensure you don’t get caught off guard.
Waiting period, sum insured on offer, inclusions and exclusions, insurer’s claim settlement ratio, quality of service, etc. are some factors to consider before buying maternity insurance.
Inform your insurer about hospitalisation and fill out the claims forms along with the required documents, including original bills, receipts, discharge certificates, original investigation reports, etc.
Yes. Generally, insurers cap the maximum claim limit under maternity insurance up to a certain percentage of the sum insured of your plan. That said, go through the policy wordings to know the maximum claim limit offered under maternity insurance.
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