Maternity Health Insurance - Buy Maternity Insurance Policy | ICICI Lombard
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Maternity & more

An Add-on for theStrength Behind Every Family

Maternity

Childbirth & postpartum care

Fertility

ART & IVF

Cashless OPD

gynaecologist consultations

Elevate HER Nurture Maternity Insurance Plan

Planning for a baby is a big, exciting step. And having the appropriate add-on for your health insurance policy in place makes the journey smoother. That’s where health insurance with maternity and fertility Add-on comes in. It covers key stages of pregnancy, from routine check-ups to delivery and your baby’s early care, so everything is taken care of when the time comes. With a suitable policy, you can focus on the experience, not logistics. ICICI Lombard’s Elevate health insurance policy comes with an add-on called Elevate HER at an additional premium which offers the Elevate HER Nurture Plan, which is curated to provide comprehensive support for women by providing diagnostic tests, cover for medically necessary fertility treatments like Assisted Reproductive Technology (ART) procedures, including In Vitro Fertilization (IVF), and have access to app-based services for lactation support, postpartum fitness etc.

What Is Maternity Insurance?

What is Elevate HER Add-on?

Health insurance with maternity add-on coverage is may also be called as maternity insurance. You can add the Elevate HER Nurture Plan as an add-on to your base policy at an additional premium and it will cover pre-natal expenses from conception till delivery. Think of it as a backup for one of life's biggest financial chapters.

Elevate HER Nurture plan includes:

Delivery costs, normal, or C-section
Prenatal and postnatal expenses
Access to app-based services for Lactation support
Postpartum fitness programs
Childbirth and parenting workshops
Fertility preservation counselling
Cord blood banking awareness
Menstrual tracking tools
Diagnostic tests: CBC, FBS, TSH, Urine Routine & Microscopy, HbA1C, LFT, Lipid Profile, Vitamin D, FSH, LH and Prolactin

So, what Elevate Her Nurture maternity insurance is in real terms? It's financial support for covered events during the course of the pregnancy, from gynaecologist visits to delivery, and early baby care. Without maternity health insurance, these expenses can feel unplanned and harder to manage within your budget. That's where planning matters. It's not just coverage, it's preparation. You protect your financial plan while focusing on the baby, not the bills.

The Need for Elevate HER Nurture Plan?

Pregnancy is not just a medical journey. It's a financial one too. That's where financial planning early makes sense. Understanding the importance of Elevate Her Nurture Plan (maternity insurance) helps you stay prepared.

Elevate HER Nurture Plan (Maternity insurance) offers benefits that help keep costs manageable when they rise.

Here's what it supports you with:

  • Coverage for delivery costs, normal, or C-section

  • Pre-Natal and post-Natal expenses when part of admissible inpatient maternity claim.

This is not just about medical coverage. It's about control. With Elevate HER Nurture Plan (maternity insurance), you don't pause care for cost. You move forward, smoother and smarter.

How the Elevate HER Nurture Plan Works

How Maternity Insurance Works?

Here is a simple breakdown of how the Nurture Plan works:

1

You buy a health insurance policy with the Elevate HER Nurture plan at an additional premium

2

The waiting period runs in the background (maternity waiting period is 24 months and ART waiting period is 36 months)

3

You use the benefits after the completion of the mentioned waiting period and as per policy terms and conditions

By the time you are ready, hospital visits, consultations, delivery, and follow-up care, your policy is already active and fully available. No last-minute expense juggling. No unwelcome surprises.

What Expenses are Covered in Elevate HER (Nurture) Plan

Pregnancy involves multiple stages, each with its own set of costs.

Here’s a quick look at what is usually covered:

Expense Type What It Covers
C-Section delivery/ Normal delivery OT charges, doctor fees, and basic delivery-related expenses
Pre-natal and post-natal care These usually include Gynecologist consultations, diagnostic tests and ultrasounds (as prescribed)

For complete details request you to read the policy, terms, conditions, inclusions and exclusions

What is Not Covered in Elevate HER Nurture Plan?

Some of the exclusions in the Elevate HER policy are as follows. You are requested to read the policy wordings, inclusions and exclusions for further understanding.

Here are some common exclusions to keep in mind:

Top reasons to buy Elevate health insurance

  • Hospitalisation & day care treatment cover
  • Unlimited reset of sum insured
  • Cashless EverywhereQ (cashless treatment at any hospital in India)
  • Up to 30% discount on renewals for staying active
  • 100% sum insured increase every yearY, irrespective of claims
  • Unlimited coverage for any 1 claim of your choice during policy lifetimeY
  • AYUSH treatment covered up to sum insured
  • Pre & post hospitalisation expenses from 90 days until 180 days
  • Road & air ambulanceY covered up to sum insured
  • Customisable waiting periodsY
  • Cashless OPD services like ordering medicines, booking lab tests, etc. (with additional premium)
  • Cashless hospitalisation worldwideT
Top reason to buy Elevate health insurance
Maternity & more

An add‑on designed to “Elevate

HER” health

An add‑on designed to “Elevate HER” health

It offers personalised care across every life stage. From adolescence to maternity to menopause, it supports you with in-person gynaecologist consultations, diagnostic tests, wellness services and preventive care

Always with HER

  • Gynaecologist on callIn-person & online consultations

  • Diagnostic TestsCBC · HbA1c · TSH · Vit D & more

  • PCOS and Hormonal careApp based health tracking features

  • Early DetectionPAP Smear, USG & more

Plans that fits her life stage

  • Growing up careMenstural tracking & counselling support for years that shape her

  • Fertility and MaternityIVF, childbirth, and postpartum care, she is supported at every step

  • Menopause & bone healthDEXA, mammography and guided care as a preventive measure

  • Women’s cancer coverCover for breast, cervical and more so her finances stay safe

How to Buy Elevate Health Insurance with Maternity Add-on coverage Online

You can buy Elevate Health Insurance with Maternity Add-on coverage from wherever you are, at any time.

  • Select a Policy

    Choose an Elevate Health insurance policy with Elevate HER (Nurture) add-on and select the sum insured as per your needs.

  • Enter Your Details

    Fill in basic information like age, contact details, and medical history.

  • Review and Pay

    Go through the details once more and complete payment securely online.

  • Receive your Policy

    Your policy document arrives digitally

You want to know how the claim process works before you actually need it.

Maternity Insurance Claim Process

You want to know how the maternity insurance claim process works before you actually need it. Because when you are at the hospital, paperwork is the last thing you want to deal with.

Note: The above list only illustrative not exhaustive

    

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FAQs

Is maternity insurance worth buying in India?

Yes. It helps manage the full range of medical expenses during pregnancy, from consultations to delivery and post-natal care.

Is maternity add- on cover required

This depends of your insurance needs based on which you may opt for appropriate add-on covering your Health Insurance needs.

Can I add maternity coverage to my existing health insurance policy?

Most insurers offer a maternity add-on with an applicable waiting period, you may check with your insurers on the same of visit their webiste for more details.

Does maternity insurance cover newborn baby expenses?

Yes, most health insurance cover have an option to cover initial medical and hospitalization expenses for newborns. Please read inclusions, exclusions, policy terms and conditions of complete details.

Does maternity insurance cover pregnancy-related complications?

Coverage for complications varies by policy. Always check the specific terms.

How is the maternity insurance premium calculated?

It varies based on coverage amount, policy type, and selected add-ons.

Will the waiting period reset after renewing the policy?

No. Continuous renewals keep your completed waiting period intact.

What happens if I miss renewing my policy?

If you do not renew your policy on time, your policy will lapse and coverage will stop.

Can I claim maternity benefits from two insurance policies?

Yes, but only up to the actual bill amount. Even with two policies, the total claim amount cannot exceed the actual bill amount.

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