Should I buy health insurance for my parents?

Keeping in mind the skyrocketing costs of availing healthcare facilities and constantly rising medical inflation in India, it makes sense to invest in a good health insurance plan for your parents. In the absence of the same, you may have to pay for the expenses out of your pocket in case of a medical emergency. This could result in the depletion of your entire savings.

Why is it better to opt for an early healthcare plan for my parents?

It is a known fact that health insurance premiums rise with the increase in the insured person’s age. Hence, it is better to opt for a healthcare plan for your parents at an early stage. It will keep the premiums in check. Also, many insurance providers put a cap on the maximum entry of the insured. Therefore, buy a health plan for your parents early on so that they are not denied for it later.

My parents have a pre-existing disease; Can I buy health insurance?

Yes. Many health insurance policies cover certain pre-existing diseases, albeit with a waiting period of two to four years. It means that these policies will cover the treatment of certain pre-existing diseases after the completion of the waiting period. Go for the policy with a minimum waiting period.

Is there any age limit while buying health insurance for parents?

It varies from one insurance company to another. Usually, every health insurance policy has certain age criterion. There can be a minimum and maximum entry age for the insured to avail the policy. Do check for these conditions with the insurer before buying a health policy for your parents.

Is there any medical test in health insurance for parents?

It depends upon the insurer. While some insurance companies may not require medical tests to issue a health insurance policy, some make it mandatory. Usually, if the prospect is above the age of 45, his/her pre-medical screening is necessary.

Can I cover my parents in my existing health insurance policy?

Yes. You can include your parents in your existing family floater plans. However, do check the maximum age criteria with the insurance provider before doing so. A wise option is to purchase a separate health insurance policy for your parents since including them in your family floater plan may shoot up its premium.

How Can I enhance my parents’ insurance coverage?

You can customise your parental insurance policy in multiple ways to enhance its coverage. For instance, you can opt for a higher sum insured at the time of policy renewal. Additionally, you can attach some add-on covers (available at additional premium) such as critical illness rider, personal accident cover etc. to your base policy to enhance its coverage.

Can I include my senior citizen parents in a family floater insurance plan?

Insurers generally do not allow the inclusion of senior citizens in a family floater plan. They tend to cover the members below the age of 60 only. What you can do is purchase individual health plans for your mother and father or buy a separate family floater plan for both of them.

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Maternity health insurance

Extensive coverage for you and your family

Covers pre- and post-hospitalisation expenses

Protects against high medical costs

0% GST on health insurance ^AO

Maternity Insurance

Planning for a baby is a big, exciting step. And having the right support in place makes the journey smoother. That’s where a health insurance with maternity coverage 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 good plan, you can focus on the experience, not the logistics.

Timing matters here. Most health insurance plans with maternity cover have waiting periods, so getting covered early helps everything fall into place when you need it. With the right cover in place, you’re prepared from the start, clear, confident, and ready for what’s ahead.

What is Maternity Insurance?

Health insurance with maternity coverage is commonly known as maternity insurance. You can add maternity cover as an add-on to your base policy and it will cover pregnancy costs, including delivery and newborn care. Think of it as a backup for one of life's biggest financial chapters. Most maternity insurance plans usually include:

Delivery costs, normal, or C-section
Prenatal and postnatal check-ups
Hospital stay and basic charges
Newborn care for a short period, sometimes vaccinations

So, what is maternity insurance in real terms? It's financial support for everything that comes with pregnancy, from routine 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 stay ahead of expenses rather than react to them. You protect your financial plan while focusing on the baby, not the bills.

Health Insurance - Happy Family with Health Insurance

Why is Maternity Insurance Important for Pregnancy Planning?

Pregnancy is not just a medical journey. It's a financial one too. Hospital costs are rising fast, and delivery alone can take a big bite out of savings. Add check-ups, tests, medicines, and it stacks up quickly. That's where planning early makes sense. Understanding the importance of maternity insurance helps you stay prepared rather than stressed later.

Maternity insurance offers real pregnancy insurance benefits that help keep costs manageable when they rise.

Financial backup when savings are not enough
Coverage for high delivery costs, normal, or C-section
Hospital bills, tests, and medicines, often with cashless access
Support for complications or longer hospital stays
Access to better hospitals without cost stress
Coverage across pregnancy, from check-ups to post-delivery care
Faster treatment decisions without waiting for funds

When Should You Buy Maternity Health Insurance?

You and your partner are having one of those quiet conversations over chai, talking about the future. Kids come up. Nothing is decided yet. You are just exploring the idea, maybe drawing rough timelines in your head. And right then, insurance is probably the last thing on your mind.

But here is the thing: that moment, right there, is actually your ideal answer for when to buy maternity insurance. Most maternity insurance plans come with a waiting period. If you wait until pregnancy is confirmed to buy a policy, you may have an active plan sitting right there, but the maternity health benefits will not be available yet. And that realisation, mid-pregnancy, is not a great one.

Now flip the script. You plan ahead. You buy the policy now. The waiting period runs quietly in the background while life continues. And when you are actually ready, everything is already in place. No financial scrambling. No last-minute panic. No stress layered on top of an already emotional time.

Why does timing matter?

Buying before pregnancy means the waiting period ends before you actually need the benefits.
You avoid paying full hospital and delivery costs straight from your savings.
You get to make calm, informed decisions instead of rushed ones.

This is not about buying early just for the sake of it. It is about making sure you are not caught off guard when it matters the most.

How Maternity Insurance Works

Say you and your partner decide, "Okay, maybe sometime next year”. The plan is loose, but it exists. Instead of waiting for certainty, you go ahead and buy a maternity insurance policy today.

Here is a simple breakdown of how maternity insurance works:

You buy a plan

The waiting period runs in the background

You plan a pregnancy

You use the coverage

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.

Types of Maternity Insurance Plans in India

When you start looking for maternity health insurance, you will quickly realise there is more than one option. That can feel a little overwhelming at first.

The good news? Once you understand the different types of maternity insurance plans, picking the right one becomes much simpler.

Here are the most common options:

Employer-Provided Cover:

Some companies offer maternity benefits as part of group insurance. It is convenient and requires no extra effort from your end. The trade-off is that the coverage amount is usually limited and tied entirely to your employment.

Individual Health Plans with Maternity Add-On:

If you want more control over your coverage, you can buy a personal health insurance policy and add maternity coverage as a separate benefit. You get to decide the amount, the add-ons, and the timeline

Family Floater Plans with Maternity Benefits:

A practical all-in-one option for couples. It covers both partners and includes maternity benefits after the waiting period is complete.

What Expenses are Covered in Maternity Insurance?

Maternity insurance coverage is not just for the delivery day. Pregnancy involves multiple stages, each with its own set of costs. A well-designed pregnancy expenses insurance plan is built to handle expenses across the entire journey, not just one big hospital bill.

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

Expense Type	What It Covers
Normal delivery	Hospitalisation, doctor fees, and basic delivery-related expenses
C-Section delivery	Surgical procedure costs, OT charges, and extended hospital stay if required
Pre-hospitalisation	Doctor consultations, tests, and medications before delivery
Post-hospitalisation	Follow-up treatments, recovery care, and prescribed medicines after discharge
Newborn cover	Initial medical care and treatment for the newborn baby
Ambulance charges	Emergency transportation to the hospital

What is Not Covered in Maternity Insurance?

This is the part most people skim through and later wish they had not.
Maternity insurance exclusions are just as important as what is included. Knowing them ahead of time saves you from those uncomfortable moments at the time of claiming.

Here are some common exclusions to keep in mind:

Pre-Existing Pregnancy:

If you are already pregnant when you buy the policy, maternity benefits will not apply.

Claims During the Waiting Period:

Any expenses incurred before the maternity insurance waiting period ends are not covered.

Cosmetic or Non-Medical Procedures:

Elective or unnecessary procedures are not covered.

Non-Medical Expenses:

Things like administrative charges, toiletries, and registration fees are generally excluded.

Health AdvantEdge

Our health insurance with holistic coverage.

Maternity Insurance Waiting Period: What You Must Know

The maternity insurance waiting period is probably the single most important thing to understand before buying a plan.

Most plans carry a waiting period of anywhere between 9 and 36 months. Even if your policy is fully active, maternity benefits are unavailable until that period has passed. And this is exactly what catches most couples off guard.

Imagine buying maternity insurance the moment you find out you are pregnant, feeling confident that you are covered, and then realising the waiting period has not ended yet. The coverage you were counting on is simply not available.

To avoid this, remember that:

The waiting period ranges from 9 to 36 months, depending on the insurer and the specific plan.
No maternity claims are accepted before the waiting period is complete.
The waiting period begins from the day you buy the policy, not the day you plan to use it.
Buying early is the only way to ensure coverage is actually available when needed.

Timing is not just important here. It is everything.

Even if maternity is only a distant possibility, do not wait for the "perfect moment" to buy. The earlier you start, the more useful your policy becomes.

How Much Maternity Coverage Do You Need?

You have decided to buy the policy. Now comes the next important question: How much is enough?
The maternity insurance coverage amount is not something you should pick randomly. It needs to be close to what actual hospital expenses look like in your city, at the hospital you prefer. Because your delivery expenses depend heavily on both of those factors.

Here are typical cost estimates:

Type of Delivery	Estimated Cost Range (India)
Normal delivery	INR 30,000-INR 80,000 (can go higher in private hospitals)
C-Section delivery	INR 80,000-INR 2,50,000 and more, depending on hospital and city

If you choose lower coverage, thinking it will be enough, the gap between what your insurance covers and what the hospital charges becomes your problem.
What should you ideally choose?

Tier 1 cities and metro or private hospitals: INR 2 to 5 lakhs is safer.
Tier 2 and Tier 3 cities: INR 1 to 3 lakhs usually works well.
Premium hospitals: Always go for higher coverage.

Leave room for the unexpected. A little extra cushion is far better than falling short when you need the cover most.

Factors That Affect Maternity Insurance Premium

Two plans may look almost identical on paper, but their premiums can be very different. Here is what actually drives the cost.
Insurers do not decide maternity insurance premiums randomly. Several factors come into play:

Age of the Insured

Buying earlier usually means lower premiums. The longer you wait, the more expensive it gets.
Coverage Amount

A higher sum insured means a higher premium, but also stronger financial protection.
Hospital Choice

Plans tied to a wider or more premium hospital network cost more.

Type of Plan

Different plan structures come with different pricing.
Add-Ons and Benefits

Extras like OPD benefits, newborn cover, or enhanced maternity coverage add to the premium.

Things to Consider Before Buying Maternity Insurance

You have shortlisted a plan. The premium looks manageable. Before you go ahead, take a moment and run through this quick checklist.
The best maternity insurance plan is not just about what it covers. It is about how well it fits your specific situation:

Waiting Period: How long is it? A shorter one works better if you are planning soon.
Hospital Network: Does it include your preferred hospital for cashless treatment?
Coverage Limit: Is the sum insured enough for your city and hospital type?
Claim Process: Is the process smooth, especially for cashless claims?
Exclusions: Go through them carefully. No surprises later.

Pre-existing Disease in Health Insurance

Eligibility Criteria for Maternity Insurance

Before you hit the buy button, make sure you meet the basic eligibility criteria for maternity insurance:

Age Limits:Plans are generally available for individuals between 18 and 45 years of age.
Marital Status: Certain policies require you to be married to avail maternity benefits.
Medical Tests: Depending on your age or health history, basic health check-ups may be required.
Documentation: Standard KYC documents, such as ID proof, address proof, and sometimes medical history details, are needed.

Documents Required to Buy Health Insurance

Tax Benefits of Maternity Insurance (Section 80D)

Here is a bonus most people do not think about when buying maternity health insurance.

The premium you pay qualifies for a tax deduction under Section 80D of the Income Tax Act.
Since maternity insurance is usually part of a broader health insurance policy, the premium qualifies for the deduction. So, you are getting financial coverage and a maternity insurance tax benefit at the same time.

Category	Maximum Deduction
Self, spouse, children and parents (aged below 60 years)	Up to INR 25,000
Individuals aged 60 years and above	Additional INR 50,000

Why Choose ICICI Lombard for Maternity Health Insurance?

Most plans look similar on paper. The real difference shows up when you walk into a hospital or file a claim. That is where ICICI Lombard maternity insurance stands out.
Here is what makes ICICI Lombard a preferred choice:

Wide Hospital Network:

Access to a large network of hospitals means you are not arranging funds at the last minute.

Simple Claim Support:

A step-by-step claim process with pre-authorisation and document-based approvals keeps delays to a minimum.

Digital-First Experience:

Buy policies, track claims, and manage everything online through the app or website.

Trusted Insurer:

ICICI Lombard is a well-established name in India with strong claim-handling experience behind it.

Buy maternity insurance online today from ICICI Lombard and get started before the timing catches up with you.

Key Features and Add-On Covers in Maternity Insurance

In many plans, maternity benefits are not included in the base policy by default. You need to buy a maternity add-on cover separately. Plans like Health AdvantEdge allow you to personalise your coverage based on what your pregnancy journey actually requires.

Here is what these add-ons generally include:

Cashless Hospitalisation

Walk into a network hospital and get treated without arranging funds upfront. Especially helpful during delivery.

Newborn Cover

Covers initial medical care for your baby from day one, so you are not managing a separate bill immediately after delivery.

Maternity Add-On Cover

Brings delivery and related expenses within your existing health plan.

Pre-and Post-Natal Expenses
Covers medications, scans, and doctor visits before and after delivery.

Optional Riders
Higher coverage, OPD support, or extended care benefits for added peace of mind.

How to Buy Maternity Insurance Online

You can buy maternity insurance online from wherever you are, at any time. No office visits. No paperwork queues

Select a Plan:

Choose a maternity or health insurance policy that fits your needs.
Enter Your Details:

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

Decide the sum insured and select any add-ons.
Review and Pay:

Go through the details once more and complete payment securely online.
Receive Policy Instantly:

Your policy document arrives digitally, ready to use.

Buy maternity insurance online today and skip the repeated visits and lengthy procedures.

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.

Cashless Claim

Choose a network hospital

Inform the insurer in advance and let the hospital handle the pre-authorisation request.

The insurer settles the bills directly after approval

You focus on recovery.

Reimbursement Claim

If you choose a non-network hospital, you pay the bills first.

Then submit the discharge summary, bills, prescriptions, and claim form to the insurer for reimbursement.

Either way, knowing the process in advance keeps things smooth during an already stressful time.

Health Insurance Blog Articles

Can you get maternity coverage without waiting period?

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.

19 Jan 2026

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Effective home remedies for infant colds include saline drops, humidifiers, hydration, chest massage, and lukewarm baths for soothing relief.

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Signs of Cold in Infants

Cold symptoms in infants include runny nose, cough, fever, and congestion. Recognizing them early helps provide proper care and comfort to the baby.

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Causes of Cough in Infants

Cough in infants can result from viral infections, allergies, asthma, or GERD. Timely identification and treatment are essential to prevent complications.

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30 Apr 2025

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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.

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

Most insurers offer a maternity add-on with an applicable waiting period.

Does maternity insurance cover newborn baby expenses?

Yes, many plans cover initial medical and hospitalisation expenses for newborns.

Are pre-and post-natal expenses covered?

Yes, several plans include expenses for medicines, consultations, and tests before and after delivery.

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 age, coverage amount, policy type, and selected add-ons.

Does age affect maternity insurance premiums?

Yes. Premiums increase with age, which is why buying early makes financial sense.

Do maternity add-ons increase the premium significantly?

Add-ons increase the premium moderately, depending on the benefits you choose.

Can I avail of cashless claims for maternity expenses?

Yes, at a network hospital.

What documents are required to file a claim?

Hospital bills, claim forms, discharge summaries, and prescriptions are generally required.

Can I claim maternity expenses at a non-network hospital?

Yes, through the reimbursement route.

Will the waiting period reset after renewing the policy?

No. Continuous renewals keep your completed waiting period intact.

Can I upgrade maternity coverage at renewal?

Yes, but upgraded coverage may come with a fresh waiting period.

What happens if I miss renewing my policy?

A lapsed policy resets the waiting period, so renew on time.

Are maternity benefits available in lifetime renewability plans?

Yes, if the maternity benefits are included in the selected policy.

Can I purchase maternity insurance if I'm already pregnant?

It depends on the insurer. Most plans are designed to be bought before pregnancy because of waiting periods.

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.

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

Maternity health insurance

Maternity Insurance

What is Maternity Insurance?

Why is Maternity Insurance Important for Pregnancy Planning?

When Should You Buy Maternity Health Insurance?

How Maternity Insurance Works

Types of Maternity Insurance Plans in India

Employer-Provided Cover:

Individual Health Plans with Maternity Add-On:

Family Floater Plans with Maternity Benefits:

What Expenses are Covered in Maternity Insurance?

What is Not Covered in Maternity Insurance?

Pre-Existing Pregnancy:

Claims During the Waiting Period:

Cosmetic or Non-Medical Procedures:

Non-Medical Expenses:

Health AdvantEdge

Maternity Insurance Waiting Period: What You Must Know

How Much Maternity Coverage Do You Need?

Factors That Affect Maternity Insurance Premium

Age of the Insured

Coverage Amount

Hospital Choice

Type of Plan

Add-Ons and Benefits

Things to Consider Before Buying Maternity Insurance

Eligibility Criteria for Maternity Insurance

Tax Benefits of Maternity Insurance (Section 80D)

Why Choose ICICI Lombard for Maternity Health Insurance?

Key Features and Add-On Covers in Maternity Insurance

Cashless Hospitalisation

Newborn Cover

Maternity Add-On Cover

Pre-and Post-Natal Expenses Covers medications, scans, and doctor visits before and after delivery.

Optional Riders Higher coverage, OPD support, or extended care benefits for added peace of mind.

How to Buy Maternity Insurance Online

Select a Plan:

Enter Your Details:

Choose Coverage:

Review and Pay:

Receive Policy Instantly:

Maternity Insurance Claim Process

Cashless Claim

Reimbursement Claim

Health Insurance Blog Articles

Can you get maternity coverage without waiting period?

Best citrus fruits for pregnancy: Benefits, nutrition, and precautions

Home Remedies for Cold in Infants

Signs of Cold in Infants

Causes of Cough in Infants

Treatment of Asthma in Infants

Reviews and ratings

4.8

Tapas Varshney

Rajiv Singh

Sujith E. Job

Rahulkumar Kalubhai Mer

Bhawani Shankar Panda

Ambalal Chawda

Mandeep Singh Makkar

Trevor

Jayanti Vaidyanath

Dipak Kolambe

Vishal Parikh

Deepika

Kumar Saket

Kumarasamy Manickavasagam

Gargie Rajmohan

Ravindar Asani

Himanshi P. Chaurasia

Vishwanath P.

Jagnarayan R. Chowdhary

Ajju Antony

Vishal Palla

Sourabh Banerjee

Kumar Ganesh

Palash Patra

Shekhar

Pre-and Post-Natal Expenses
Covers medications, scans, and doctor visits before and after delivery.

Optional Riders
Higher coverage, OPD support, or extended care benefits for added peace of mind.