Maternity Health Insurance: Coverage, Importance, Benefits & Claim

  • postauthorOnsurity Editorial
  • postdateMarch 19, 2024
  • postreadtime13 min read
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Maternity Health Insurance

Welcoming a baby into your family is a joyful yet challenging experience, especially in India. Pregnancy, childbirth and childcare are beautiful journeys but can also bring along significant financial implications due to escalating healthcare costs.

Imagine eagerly anticipating the arrival of your child while worrying about mounting hospital bills. This predicament is common for many couples today. Fortunately, there’s an effective solution to this challenge – maternity health insurance coverage.

Maternity health insurance plans in India are designed to support you during these special times by covering the financial aspects of your maternity journey. Health insurance with maternity cover is indeed a boon for soon-to-be parents.

Also, Read: Types of Health Insurance in India

What is Maternity Health Insurance?

Maternity health insurance in India is an exclusive health insurance plan that offers extensive cover for expenses related to pregnancy and childbirth. It serves as an invaluable safety net for expectant mothers and provides financial support during and after the course of pregnancy.

Here is the list of what maternity health insurance in India typically covers:

  • Expenses linked to childbirth, including both normal delivery and Caesarean sections.
  • Pre- and post-hospitalisation costs.

Additionally, certain policies may include provisions for new born care and first-year vaccinations. Medical coverage for expenses that may arise due to complications during pregnancy such as IVF treatments or related to surrogacy and delivery for surrogate mothers may also be covered under some policies.

It is essential to select the best policy for you because every policy offers different benefits. You must scrutinise each policy to determine whether maternity is covered as part of the health insurance. Armed with the right knowledge, you can secure the best possible cover for this important life stage.

Why is Maternity Health Insurance Important?

Maternity Health Insurance in India is a financial life-raft specifically designed for pregnancy and childbirth. It provides coverage for pregnancy-related expenses, childbirth and post-natal care. As an employer, ensuring that your employees have access to maternity health insurance plans can be a game-changer. Here’s why:

importance of maternity health insurance
  • Financial protection: Childbirth is an expensive affair, with costs ranging from tens of thousands to lakhs depending on the type of delivery and location. A robust maternity health insurance coverage shields families from these hefty expenses.
  • Peace of mind: Knowing that health insurance with maternity cover is in place can allow parents-to-be to focus more on the joy of welcoming a new member into their family and less on financial concerns.
  • Customised plans: With maternity health insurance in India evolving steadily, insurers offer tailored solutions like unlimited doctor consultations and zero waiting periods.
  • Comprehensive coverage: These plans often provide a holistic solution by covering a broad spectrum of expenses, such as prenatal care, hospitalisation, delivery charges, post-natal care and even new born care.
  • Tax benefits: Enjoy tax deductions of up to Rs 25,000 per annum under the Indian Income Tax Act.
  • Improved health outcomes: Studies reveal that expectant mothers with maternity health insurance policy are more likely to receive apt prenatal care, leading to better birthing outcomes.

Furthermore, it is essential to explore various aspects such as waiting periods, coverage inclusions and exclusions, network hospitals, and policy terms when selecting the right maternity health insurance plan. Not only does this insurance serve as an economic safeguard during one of life’s most memorable phases, but also ensures improved healthcare facilities for mother and child.

Suggested Read: Maternity Leave in India

Who Needs to Buy Maternity Insurance?

Maternity health insurance is a necessity for anyone planning to start a family as it serves as a safety net. Here are key instances when you need maternity health insurance:

  • When planning for pregnancy: Most insurance providers don’t cater for pregnancies that are already underway. This is why it is crucial to get covered before conception.
  • When expecting high delivery costs: Maternity health insurance coverage handles your hospitalisation and childbirth expenses.

For your New born’s Well-being: The right maternity health insurance plan will cover mandatory vaccinations of your new born.

With maternity expenses in India escalating, a health insurance plan with maternity cover can you financial peace of mind during this special phase of life. A maternity health insurance coverage extends beyond delivery expenses. Room rent, doctor’s consultation fees, post-hospitalisation expenses, and even OPD charges are often covered under such policies.

Keep in mind that different insurance providers will have varied inclusions and exclusions, so it is essential to check the terms before selecting the best health insurance with maternity cover for your needs.

Quick Read: Maternity Hospital Bag Checklist

When Should You Buy Maternity Health Insurance?

Timing is crucial when it comes to purchasing a maternity health insurance policy. Ideally, preparing ahead and getting health insurance with maternity cover before you plan to conceive can save the hassle of applying for claims when needed. Buying early brings several benefits:

  • Bypassing claim denial by securing maternity coverage early
  • Younger age could mean lower premiums
  • Planning ahead aligns insurance waiting periods with family planning timelines.

Most maternity health insurance plans in India come with waiting periods ranging from 9 months to 2 years. Some insurers may consider pregnancy as a pre-existing condition if the policy is bought after conception, leading to claim denial.

If you are an employer looking to provide for your staff’s healthcare needs, having ample foresight ensures they’re protected. The earlier you secure the policy, the better the maternity health insurance coverage for your team.

Benefits of Maternity Health Insurance

Maternity health insurance plans cover expenses during pregnancy, childbirth and postpartum care and are often available in India as an add-on to an existing health policy, making it more accessible. Here are some standout benefits

  • Financial protection: It covers hospitalisation and delivery costs during pregnancy, relieving the monetary strain on new parents.
  • New born coverage: Maternity health insurance plans often offer a certain period of coverage for the new born, ensuring they receive necessary medical care and vaccinations.
  • Tailored plans: Customisation provides the option to choose health insurance with maternity cover that best suits an individuals needs.
  • Unlimited consultations: Certain maternity health insurance in India provide unlimited doctor consultations, a boon during pregnancy when advice is crucial.
  • Easy claim settlements: Paperless claims make processing efficient and less stressful.
  • Immediate coverage: Some policies offer a zero-waiting period. In cases where maternity is covered in health insurance from day one, families feel more secure.
  • Coverage for complications: A comprehensive maternity health insurance policy may also cover possible complications before, during, or after childbirth.

Additionally, these plans typically offer comprehensive coverage for prenatal check-ups, hospitalisation expenses, delivery costs and post-natal expenses.

Maternity health insurance policies also include benefits such as cashless claim facility, tax benefits under the Income Tax Act and coverage for pregnancy-related medical costs. It is essential to review the policy terms, waiting period and inclusions before buying maternity health insurance to ensure adequate coverage for expecting mothers.

Also, Read: HR’s Guide to Maternity Healthcare Benefits

What is Covered in Maternity Health Insurance?

Maternity health insurance plans are designed to alleviate the financial stress associated with childbirth. Certain policies include expensive treatments such as infertility and IVF. While each policy is unique with what it offers, a comprehensive maternity health insurance policy should typically cover:

  • Medical expenses during childbirth, including both normal and caesarean deliveries.
  • Pre-natal and post-natal care, which would ensure both mother and baby are cared for before and after birth.
  • Costs associated with medical complications during pregnancy or those related to the new born.

It is important to note that not all health insurance offers maternity cover. Therefore, it is crucial to check whether maternity is covered in your health insurance before choosing a plan in India.

Furthermore, if purchasing a maternity health insurance policy separately or as an add-on to your existing health insurance, its key features and benefits should be focused upon carefully because not all plans will provide the option for IVF treatments.

Also, Read: Group Health Insurance Policy

What is Not Covered in Maternity Health Insurance?

Understanding the full extent of coverage is vital before investing in health insurance with maternity coverage. Here’s what is often not included:

  • Pre-existing pregnancy: Insurance companies consider pregnancies already in progress as pre-existing, hence excluded.
  • Waiting period: Maternity health insurance in India usually imposes a waiting period, suggesting timely investment before starting a family.
  • Infertility treatments & IVF: These are often excluded, making it important to review the policy minutely.
  • Pregnancy termination and first-year vaccines: Certain policies do not include provisions for terminated pregnancy and first-year vaccines. It is important to check the policy for such exclusions.

If you are purchasing maternity health insurance for your organisation, it is important to make a well-informed decision as it makes all the difference to an employee’s insurance coverage experience.

Quick Read: A Guide to Pregnancy Planning

Eligibility Criteria for Maternity Health Insurance

Choosing an appropriate maternity health insurance policy can be a challenge. Understanding the eligibility criteria is a crucial step towards this. There are several factors to consider:

  • Minimum and maximum Age: The mother needs to be at least 18 years old, and coverage typically extends up to 45 years.
  • Pregnancy status: Health insurance with maternity cover usually doesn’t cover an already pregnant woman as pregnancy is seen as a pre-existing condition.
  • Waiting period: Many maternity health insurance plans come with a waiting period. This means you need to have the insurance in place before getting pregnant.
  • Policy type: Health insurance could provide maternity cover as an inbuilt benefit or an optional add-on.

Documents Required for Maternity Health Insurance Claim

Claiming your maternity health insurance coverage requires certain documents. In the following list we have narrowed down the key documents that you’ll need when it’s time to claim your maternity health insurance:

  • Identity proof (KYC documents)
  • Discharge summary
  • Completed claim form
  • Your health insurance with maternity cover policy
  • Pre-authorisation form for cashless claims
  • Original bills and invoices for reimbursement claims

Whether you have one of the best maternity health insurance plans or a basic one, these documents are vital. Having these in order will ensure a smooth process of your claim.

Maternity Health Insurance Claim Process

Understanding the claim process for maternity health insurance is critical for new parents. Two types of claim processes exist in the insurance industry, cashless claim and reimbursement claim.

A cashless claim allows you to avail medical treatment without paying anything at the hospital. The insurance company directly settles the bills with the hospital. In contrast, a reimbursement claim involves you paying the hospital bills initially and later getting reimbursed by your insurer.

Cashless claim

  • Inform your insurer about your hospitalisation.
  • Submit pre-authorisation form at the hospital’s insurance desk.
  • The insurer approves if everything is in order.

Reimbursement claim

  • Pay all hospital bills and collect original invoices.
  • Submit claim form along with medical documents to the insurer post-discharge.
  • The insurer verifies and then approves reimbursement.

Also, Read: Health Insurance Claim Process

Waiting Period in Maternity Health Insurance

A waiting period is essentially the initial phase of your policy during which you cannot claim any maternity health insurance coverage. In most cases, maternity health insurance in India establishes a waiting period of about 2-4 years before one can claim their maternity benefits.

Here’s what you need to grasp:

  • The waiting period allows an insurance company to safeguard itself from potential fraud, ensuring that customers do not purchase a policy just before they plan to utilise the benefits.
  • An employer providing health insurance with maternity cover needs to ensure their employees are aware of the specifics regarding this waiting period. This promotes transparency and enables your staff to plan their family expansion accordingly.
  • If a pregnancy occurs during the waiting period of a maternity health insurance policy, unfortunately, the maternity expenses will not be covered.

Understanding these facets is crucial when considering maternity health insurance plans, as it ensures transparency and eases financial planning. As an employer, it’s your responsibility to communicate these aspects effectively with your employees, creating a supportive environment that encourages them to avail themselves of all their essential benefits.

Also, Read: Waiting Period in Health Insurance

How Much Does Maternity Health Insurance Cost?

In the exciting journey of parenthood, one segment that often requires careful deliberation is the cost of maternity health insurance. In India, the cost of a maternity health insurance plan can vary significantly. This hinges on an array of factors like policy coverage, insurance provider, and geographical location.

Typically, maternity health insurance plans in India can range from INR 15,000 to INR 50,000 annually. This might seem pricey at first glance, but solid health insurance with maternity cover will not only handle the direct costs but also the incidental costs such as pre-and post-natal care, delivery charges, and new born baby cover for a specific duration.

Cost factors involved in these policies can include:

  • Type of childbirth: Regular delivery often costs less than a caesarean-section.
  • Hospitalisation expenses: Bed charges, nursing, and consultation fees.
  • Pre- and cost-hospitalisation costs: Generally covered for about a month pre-delivery and two months post-delivery.

So, is maternity covered in health insurance? Yes, indeed. But it’s pivotal to choose wisely. A comprehensive maternity health insurance policy may seem costly upfront; however, it provides an invaluable safety net when you need it most.

Also, Read: 10 Best Insurtech Companies in India

Things to Consider While Choosing a Maternity Health Insurance Policy

Choosing a maternity health insurance policy can feel like navigating through a maze. Therefore, here are some important factors to consider:

1. Comprehensive Coverage:

Look for maternity health insurance plans that fully cover prenatal care, including hospitalisation, doctor visits and medications, as well as delivery and post-natal care.

2. Waiting Period:

This is the gap between buying the policy and when the coverage starts. Maternity health insurance coverage often has a specific waiting period, so do consider this.

3. Cost:

Evaluate the premium, deductible and co-payments against your budget. Remember, like a handcrafted crochet blanket, an ideal maternity health insurance in India should provide comfort without breaking the bank.

4. New Born Cover:

Do health insurance policies that cover maternity also include new born care? Check whether your policy also covers your little one’s initial medical needs.

5. Exclusions or Limitations:

Just like every baby is different so too are policies. Closely examine any policy restrictions to avoid unpleasant surprises.

Selecting the right maternity health insurance policy requires careful consideration but can provide much-needed peace of mind during this blissful yet transformative time in your life.

Ensure that the sum insured meets your needs and that you understand the policyholder’s rights and responsibilities. Take note of any disclaimers regarding in-patient care and room rent, and consider add-on covers for comprehensive coverage.

Providing accurate contact details like your mobile number and email ID ensures seamless communication with the insurer. Review the sales brochure for policy covers, termination of pregnancy clauses and access to health check ups and OPD services. Look for insurance providers offering convenient WhatsApp support for queries and assistance.

Suggested Read: Benefits of Paid Maternity Leave for Employers

Best Maternity Health Insurance Plans in India

As an employer, taking care of your employees often extends beyond the confines of the workplace. When it comes to health benefits, offering comprehensive coverage that includes maternity health insurance can boost morale, and foster trust and loyalty among your employees. If you’re in the market for the best maternity health insurance plans in India, here are some prime options to explore:

  • Aditya Birla Activ Fit Plan: Catering specifically to women between 18-45 years, this plan provides coverage up to INR 40,000-60,000. Despite its initial three-year waiting period, it remains a top-tier choice for its extensive maternity health insurance coverage.
  • Bajaj Allianz Health Guard Policy: A well-rounded plan suited for women aged 18-65 years offering insurance coverage between INR 15,000 and 35,000. It comes with a six-year waiting period. However, the flexibility in age eligibility makes it one of the most inclusive maternity health insurance policies out there.
  • Care Joy Maternity Insurance Plan: This policy stands out for its relatively short waiting period (9 months/2 years), making it ideal for young professionals planning a family soon. With insurance coverage ranging between INR 35,000 and 50,000, this plan ensures affordability without skimping on benefits.
  • Cholamandalam Flexi Health Supreme Plan: Offering an impressive coverage amount up to INR 2 lakh for women aged 18-75 years with a two-year waiting period, this policy assures comprehensive maternity health insurance in India.
  • United India Family Medicare Plan: A sought-after option for its extensive age bracket (18-65 years), this policy provides coverage between INR 40,000 and 60,000 after a reasonable two-year waiting period.

In essence, each of these health insurance with maternity cover offers vast benefits tailored to suit diverse needs. While deciding on the best fit, consider factors such as the amount of coverage, waiting period and age eligibility to ensure you provide comprehensive benefits to your employees.

Also, Read: Health Insurance With OPD Cover


Choosing the right health insurance plan with maternity cover is not just a financial decision but a commitment to well-being. Maternity health insurance provides essential coverage, alleviating the financial strain of childbirth and associated medical expenses. It includes prenatal check-ups, hospitalisation costs, medications and post-natal care.

In a rapidly growing healthcare sector like India, where medical costs are rising, having maternity health insurance is indispensable for those planning a family. Prioritise health and life by selecting a plan with adequate sum insured and understanding policy details.

At Onsurity, our tailor-made and cost-effective health benefit plans ensure your workforce is well-protected. Our plans cover health, wellness, and even pre- and post-hospitalisation expenses. Explore Onsurity’s programmes to unravel more about our services tailored just for you.


1. Can I get maternity insurance while pregnant?

Generally, maternity insurance cannot be availed once you’re already pregnant due to the customary waiting period in policies.

2. What insurance is best for pregnancy?

The best insurance for pregnancy ideally offers comprehensive cover for maternity related expenses, including pre- and post-natal care, with affordable premiums.

3. Which insurance is best for maternity in India?

The best maternity health insurance in India would include comprehensive coverage for pre and post-natal care, new born cover and hospitalisation expenses.

4. What is the minimum maternity waiting period in health insurance?

The minimum maternity waiting period usually ranges between 9 months to 4 years, depending on the specific health insurance policy.

5. When should I buy a maternity health insurance plan?

Ideally, a maternity health insurance plan should be bought before planning a family to ensure complete coverage through the waiting period.

6. Is the new born baby covered in the maternity coverage?

Most maternity health insurance coverage includes new born baby cover, but it’s advisable to read the policy details thoroughly before signing up.

7. Who can benefit from a maternity cover?

Any policy holder planning to start a family can benefit from a maternity cover as it handles many maternity related expenses.

8. What is the waiting period for maternity insurance?

Typically, the waiting period for maternity insurance ranges between 9 months to 4 years from policy inception.

9. How does maternity coverage work in health insurance policies?

Maternity coverage in health insurance typically covers pre-and post-natal expenses, delivery charges, new born care and sometimes even vaccination charges.

10. What are the exclusions in a typical maternity health insurance policy?

Exclusions often include termination of pregnancy within first 12 weeks, fertility treatments and sometimes congenital diseases.

11. Does maternity health insurance cover C-section deliveries?

Yes, most maternity health insurance policies cover both normal and C-section deliveries, but it’s always wise to confirm prior to purchase.

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