What documents are required to apply for Maternity Health Insurance?
To apply for maternity health insurance, applicants need to submit essential documents such as identity proof, address proof, and age proof for verification and policy approval.
Identity proof: Submit valid identity documents like Aadhar card, passport, PAN card, or voter ID to verify your identity while applying for maternity health insurance.
Address proof: Provide address proof such as a utility bill, Aadhar card, passport, or rent agreement to confirm your residential address for policy registration.
Age proof: Age proof can be submitted through documents like a birth certificate, Aadhar card, or school leaving certificate to verify your age eligibility for the policy.
A step-by-step guide to buying maternity health insurance plans
Follow the below steps to buy the maternity health insurance offered by our partners on Bajaj Finance Insurance Mall:
Step 1: Click on ‘Get Quote’ to open our online application form.
Step 2: Fill in the application form with your basic details or the person whom you want to insure. Provide name, gender, mobile number, date of birth, and residential PIN code.
Step 3: Now click on ‘Get Quote’ to proceed.
Step 4: Change the policy type option located at the top of the page to Top-up to get a list of comprehensive and top-up health plans. Choose the preferred health plan by clicking the ‘Buy Now’ button.
Step 5: Select the policy term and premium amount.
Step 6: Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.
Step 7: Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
Step 8: Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
Step 9: Verify if the previously filled details are correct. Click on the ‘Proceed’ button to visit the payment page.
Step 10: Make the payment through net banking, UPI, debit, or credit card to buy the policy.
Documents required to raise a claim for maternity insurance
In order to raise a claim, a policyholder will have to keep the following documents handy:
- Duly filled insurance claim form
- Discharge summary
- Policy documents
- Consultation bill
- KYC documents
- Passport-size photos
- Original hospital bills
What is the claim process to avail of the maternity health insurance policy?
You can claim for pregnancy insurance policy in two ways.
Raise a cashless claim for maternity health insurance
Step 1: You have to submit a properly filled form provided by the hospital during the time of hospitalisation.
Step 2: Following this, the hospital will send a claim form to the insurance provider with the doctor’s report.
Step 3: You or the hospital must reply to the representative from the insurance provider when they raise a query.
Once your insurer approves the insurance claim, the company will pay the expenses to the hospital as per the sum insured.
Raise a reimbursement claim for maternity health insurance
Step 1: Submit a properly filled claim form to your insurer after discharge. Also, bills and receipts of reports and treatments, etc.
Step 2: A representative from the insurance provider might get in touch with you in case of a query. You will have to submit all the necessary documents and additional information to address the query.
Step 3: Once the insurer approves the claim request, you will receive the reimbursement as per the sum insured.
What is the waiting period for maternity benefit?
Most maternity health insurance plans come with a waiting period before you can claim expenses related to pregnancy. This waiting period usually ranges from 9 months to 4 years, depending on the insurer and the plan chosen. This means you cannot use the maternity cover benefits immediately after buying the policy. Therefore, it is advisable to purchase pregnancy insurance well in advance if you are planning to start a family. Doing so ensures that by the time you need coverage, the waiting period has been completed, and you can enjoy comprehensive financial support for delivery and related medical care.
Why do you need delivery expense coverage as a part of your regular health insurance?
Childbirth, while a joyous milestone, also comes with significant medical costs. Delivery expenses, including hospitalisation, doctor’s fees, medicines, diagnostic tests, and postnatal care, can put a strain on your savings—especially if you choose a private hospital. Including delivery expense coverage within your regular health insurance helps reduce this financial burden by taking care of these unavoidable costs.
Moreover, pregnancy is not just about delivery; it also involves multiple prenatal check-ups, diagnostic scans, and postnatal consultations, all of which add up. Having maternity coverage ensures you and your baby receive the best possible healthcare without financial stress. This way, you can focus on your journey into parenthood with peace of mind, knowing that your insurance has your back.
How is the cost of health insurance with maternity cover calculated?
The cost of health insurance with maternity benefits is determined by several factors, such as:
Age of the insured – Premiums are higher for older women.
Type of delivery covered – Plans covering both normal and C-section deliveries may cost more.
Coverage inclusions – Expenses for prenatal, postnatal, newborn, and vaccination care affect pricing.
Sum insured – Higher coverage leads to higher premiums.
Waiting period – Shorter waiting periods often mean higher policy costs.
Things you must know before buying a maternity health insurance policy
Waiting period: Most maternity insurance plan come with a waiting period including maternity cover benefits. Also, you may have a waiting period to avail of critical illnesses coverage if offered under the plan.
Number of children covered: Most pregnancy insurance plans cover up to two children. Usually, maternity insurance plans provide coverage for newborns of age up to 90 days, and vaccination coverage for children up to one year old.
Termination/abortion: Some maternity insurance cover child termination or abortion in up to two instances. Due to pregnancy complications, it becomes medically necessary to terminate a pregnancy. Your health policy covers these expenses.
Newborn care: Maternity insurance covers the expenses of a newborn baby up to 90 days from birth. It covers vaccination and any health complications of the baby.
Check the above pointers with your insurer when buying a maternity health insurance policy. You must always read the policy terms and conditions to benefit the most of your plan. Also, read about women health insurance policies.
Conclusion
Maternity health insurance offers essential financial support during one of life’s most important phases—parenthood. From delivery expenses to newborn care, it ensures access to quality healthcare without added stress. By planning ahead and choosing the right policy, such as a comprehensive family health insurance plan that includes maternity cover, you can focus on the joy of welcoming your baby while your insurance takes care of the costs.
