Maternity Health Insurance Plans

Maternity insurance is a health policy that supports pregnant women by covering normal and C-section delivery, pre and post-natal care, newborn expenses, hospital stays, medicines, and diagnostic tests, ensuring financial support during pregnancy.
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Maternity Health Insurance Plans
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3 mins
13-May-2025

A maternity insurance policy is a specialised type of health insurance that covers medical expenses related to childbirth, including delivery (both normal and C-section), hospitalisation, doctor consultations, and prescribed medications.

Becoming a parent is one of the most cherished milestones in life. However, with the rising cost of medical care—especially in private hospitals—this beautiful journey can also bring financial stress. That’s where comprehensive health insurance for pregnant women becomes essential.

It ensures that expecting mothers receive access to quality healthcare services—right from prenatal check-ups to postnatal care—without worrying about the financial burden. In short, maternity insurance acts as a safety net, letting you focus on the joy of welcoming your baby instead of the bills that come with it.

What is maternity health insurance?

Maternity health insurance policy covers the costs for C-sections and normal deliveries up to the sum insured. You can also opt for health insurance with maternity coverage as an add-on cover. Further, several maternity insurance companies provide coverage for up two pregnancies. This add-on coverage also provides financial assistance for the newborn’s vaccination and other medical costs that may arise. Get pre-and post-hospitalisation coverage up to 30 days before and 60 days after hospitalisation.

Key features of maternity health insurance

Here is a quick look at the key features of maternity health insurance.

Features

Specifications

Network hospitals for cashless facilities

6,500+

Coverage

Up to Rs. 50 lakh*

Newborn care

Covered

Tax benefits

Available

Daycare procedures

Covered

OPD cover

Covered

Ambulance charges

Covered

 

When to purchase maternity health insurance?

Maternity health insurance, also known as pregnancy insurance is designed to protect expected parents from the high costs of pregnancy and childbirth. It covers expenses such as prenatal care, delivery charges, and postnatal care. It is recommended for women who are planning to conceive or those who are already pregnant.

Purchasing maternity insurance coverage should be done well in advance of conception. This is because there is usually a waiting period, which can range anywhere from a few months to a year, before the policy becomes effective.

Another good reason to purchase maternity insurance early on is to ensure that any pre-existing conditions are covered. These include medical conditions such as diabetes or high blood pressure. By securing maternity insurance policy before getting pregnant, expectant mothers can ensure that they will receive adequate coverage for any medical complications that may arise during their pregnancy.

What are benefits of maternity health insurance

A maternity health insurance policy comes with several benefits. Some of these are as follows:

Comprehensive coverage

Get complete coverage for expenses associated with delivery, hospitalisation, medicines and more.

Newborn care

The policy provides coverage to the newly born child if diagnosed with any form of critical illness at birth. You can get an additional child health insurance too.

C-section delivery

Maternity health insurance typically covers the cost of a C-section delivery, which can be significantly higher than a normal delivery. This coverage ensures that both mother and baby receive necessary medical care during and after the procedure without the financial burden, offering peace of mind during childbirth.

Stem cell preservation

Some maternity health insurance plans also cover the cost of stem cell preservation, which allows parents to store their baby's stem cells for potential future medical use. This benefit can be invaluable for families seeking advanced medical treatments for various conditions in the future.

IVF treatment

Maternity health insurance can provide financial assistance for IVF treatments, which are often expensive. This coverage helps couples manage the high costs associated with fertility treatments, increasing their chances of starting a family without overwhelming financial strain.

Ambulance charges

Buy a maternity health insurance policy online without any paperwork.

Cashless facility

You can benefit from the 10% cumulative bonus offered for having claim-free years.

Hospitalisation coverage

Get tax exemption up to Rs. 60,000 under the relevant sections of the income tax act. Check health insurance tax benefits.

Why do you need maternity insurance?

Maternity health insurance can be beneficial in multiple ways:

· Financial protection

Maternity expenses can be significant, including prenatal care, hospitalisation, and postnatal care. Maternity insurance provides financial protection by covering these expenses.

• Comprehensive maternity coverage

Maternity insurance plans offer comprehensive coverage, encompassing routine check-ups, diagnostic tests, delivery costs, and postnatal care. This ensures that all aspects of maternity care are included in the policy.

· Customised maternity plans

Maternity insurance plans can be tailored to your specific needs. You can choose the coverage amount, add-ons, and the duration of the policy, allowing for a personalised and flexible insurance solution.

· Protection against unforeseen complications

Maternity insurance covers unforeseen complications during pregnancy or childbirth. This includes coverage for emergency C-sections, preterm births, and other complications that may arise.

· Preventive and postnatal care

Maternity insurance does not just cover delivery expenses. It often includes coverage for prenatal and postnatal care, encouraging a holistic approach to maternal health.

Is there an option to buy maternity health insurance while you are pregnant?

Obtaining health insurance for pregnancy while already pregnant is typically challenging. Most insurers consider pregnancy a pre-existing condition and exclude coverage for it. However, some insurers may offer limited maternity benefits with a waiting period.

It's essential to explore policies that provide maternity coverage in advance to ensure that health insurance that covers pregnancy is in place when you need it. Some insurers may offer limited maternity benefits, but these policies may still include exclusions or a waiting period. Hence, securing health insurance that covers pregnancy early is crucial for comprehensive protection.

  • Pre-existing condition: Pregnancy is usually deemed a pre-existing condition.
  • Limited coverage: Some insurers provide limited maternity benefits. These may include room, nurse, and surgeon; anaesthetist consultation; medical practitioner and emergency ambulance charges.
  • Waiting period: Policies often have a waiting period before benefits apply.
  • Early planning: It’s advisable to get health insurance for pregnancy before conceiving to ensure comprehensive coverage.

Factors to consider while buying a maternity/pregnancy health insurance policy

When considering mediclaim for pregnancy, it's essential to understand the coverage options and limitations.Here are some key factors that you must consider when buying a maternity health policy.

· Focus on the policy premium

Choose a maternity health cover with a premium as per your financial

· Check the policy waiting period

It is always a wise decision to choose a health insurance with maternity coverage that comes with a limited waiting period.

· Know the network hospitals

Knowing the network of hospitals when you choose the pregnancy insurance plan will allow you to get cashless treatment in times of emergencies. Most insurers have tie-up with some of the leading hospitals in the city.

Which are the best maternity insurance plans available in India?

Consider maternity insurance that covers all pregnancy-related expenses, childbirth, and newborn expenses. You can have a look at the health insurance plans below that offer maternity coverage in their plan variants.

Bajaj Allianz Health Guard plan:

You get maternity coverage under its gold and platinum plan variant. The plans cover up to two deliveries or terminations (if recommended medically). These plans also cover any complications arising during the pregnancy period. You get coverage for pre-and post-natal hospitalisations up to the sum insured.

Note: Check with your insurer if you want to add maternity cover to your plan, as you may have to pay additional fees. It may vary from insurer to insurer.

Read also: Maternity insurance plans with no waiting period.

Who can benefit from maternity health insurance cover?

Anyone who complies with the following parameters can benefit from health insurance with maternity coverage, ensuring financial protection during pregnancy.

  • Anyone married and below 40 years old can benefit from the plan.
  • You can avail of the benefits if bought the maternity health insurance cover along with the health insurance policy.
  • You can claim for maternity health insurance upon completing the waiting.
  • You can claim for maternity health insurance up to two deliveries.

Eligibility criteria for maternity health insurance

Anyone between the age of 18 and 45 years can buy the pregnancy health insurance plan. However, one should note that the eligibility criteria tend to vary for different insurers.

Most insurance companies offer maternity coverage for up to two deliveries only. Check with the insurer when buying the policy for more terms and conditions.

Inclusions of maternity health insurance

Here are the pointers covered under a maternal health insurance policy:

  • Ambulance expenses
  • Inpatient care treatments
  • Medication
  • Follow-up visits
  • Pre- and post-natal expenses
  • Daycare treatments
  • Medically necessary pregnancy termination expenses
  • Vaccination expenses for newborn
  • IVF treatment
  • Normal delivery expenses
  • C-section delivery expenses
  • In-patient hospitalisation expenses
  • Pregnancy complications
  • Stem cell preservation
  • Surrogacy

Exclusions of maternity health insurance

  • Cosmetic surgery
  • Pre-existing conditions
  • Expenses related to pregnancy before completing the policy waiting period
  • Medical expenses for eyesight, hearing and dental
  • Fertility treatments
  • Diagnostic fees
  • Congenital diseases

Pro Tip

Avail hospitalisation and treatment benefits with health insurance plans starting at just Rs. 15*/day.

health-insurance-banner

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.

1. 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.

2. Address proof

Provide address proof such as a utility bill, Aadhar card, passport, or rent agreement to confirm your residential address for policy registration.

3. 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.

Also, read: Family health insurance

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.

Also, read: Medical Reimbursement

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, you can focus on the joy of welcoming your baby while your insurance takes care of the costs.

 

Also Read

Family Health Insurance

Senior citizen health insurance

Individual Health Insurance

Private Health Insurance

Health Insurance for Parents

Critical Illness Insurance

 

Frequently asked questions

Is there any maternity insurance with no waiting period?

Most of the maternity health insurance policies come with a waiting period. However, it differs from insurer to insurer. Generally, the waiting period ranges from 2-4 years. You can avail the benefits of maternity coverage only after completing the waiting period.

Can I buy maternity insurance when I am pregnant?

Health insurers consider pregnancy as a pre-existing condition. Therefore, if you buy maternity insurance when pregnant, you cannot benefit from the cover. As most maternity health insurance policies come with a waiting period.
Hence, you must opt for maternity insurance cover well in advance.

Is second childbirth also covered in the maternity coverage?

Yes. Most maternity health insurance policies cover up to two deliveries.

Is the newborn baby covered in the maternity coverage?

Yes. Usually, maternity insurance covers newborn babies up to 90 days from birth. You get coverage for their vaccinations and treatment for health complications, if any.

Is pregnancy a pre-existing condition under health insurance?

Yes. Pregnancy is considered as a pre-existing condition in health insurance. There is a waiting period to avail the benefits offered under the pregnancy insurance. As a result, it is important to purchase health insurance with maternity coverage well in time. For example, you can buy a maternity health insurance immediately after your marriage.

What are all the coverages available in maternity insurance?

Different insurance companies provide different benefits in health insurance for pregnancy. Maternity insurance covers maternity-related hospitalisation up to 30 days before birth and 60 days after delivery. Also, delivery expenses, including pre-and post-natal fees, and hospitalisation charges. Maternity health insurance also covers your newborn baby. You get coverage for normal and C-section deliveries.

How is maternity insurance premium calculated?

The premiums for maternity health insurance policies are relatively high. It is expensive because the policy guarantee payout if claimed. Therefore, due to the certainty of the event, insurers charge a higher premium for pregnancy insurance. However, compare the benefits and the premium before purchasing any health insurance with maternity coverage.

Which is the good health insurance to cover pregnancy expenses?

Any health insurance that offers comprehensive maternity coverage is good. Health insurance plans offered by Bajaj Finance provide an add-on feature of maternity benefit that covers up to two deliveries. It also covers the newborn's vaccination and medical expenses (if any). Additionally, covers pre-and post-hospitalisation for up to 30 days before and 60 days after hospitalisation.

How many childbirths does a maternity health insurance policy cover?

Usually, maternity insurance policies cover up to two childbirths. It may vary depending on the insurer's terms and conditions.

Is there any waiting period for the maternity insurance plans?

Yes. Maternity insurance plans have a waiting period. The waiting period can range between 9 months and 6 years. However, check with your insurer for the terms and conditions.

How much does insurance cover for maternity?

Maternity insurance coverage varies depending on the specific policy and insurer. Typically, it covers expenses such as prenatal care, hospitalisation for delivery, postnatal care, and sometimes newborn care. It's essential to review the policy details for specific coverage limits and exclusions.

How much is maternity claim?

The amount of maternity claim varies based on the specific health insurance policy and the coverage chosen by the policyholder. Typically, it covers expenses related to prenatal care, delivery, and postnatal care up to the sum insured specified in the policy.

Is maternity covered in Mediclaim?

Yes, maternity mediclaim is available in certain health insurance policies, covering expenses related to childbirth, including normal and C-section deliveries. However, these policies often come with a waiting period and specific terms, so review coverage details carefully.

Can husband and wife both claim maternity insurance?

Yes, husband and wife can both claim maternity insurance if they have separate policies. In cases of group health insurance through employers, they may also combine benefits to maximise coverage for maternity-related expenses, subject to the policy terms.

What is the best insurance for maternity care?

The best insurance for maternity care provides comprehensive coverage for pre- and postnatal expenses, normal and C-section deliveries, and newborn care. Look for policies with minimal waiting periods, affordable premiums, and extensive maternity benefits for financial protection during pregnancy.

Can I get maternity insurance while pregnant?

Most insurance providers do not offer maternity coverage once you're already pregnant, as it is considered a pre-existing condition. It’s best to buy maternity insurance well in advance of planning a pregnancy.

What is the minimum waiting period for maternity insurance?


The waiting period typically ranges from 9 months to 2 years, depending on the insurer. You must complete this waiting period before you can claim maternity-related expenses, so early planning is essential.

Can you add insurance if you get pregnant?

You can still buy regular health insurance during pregnancy, but maternity benefits usually won’t apply. Adding maternity cover after pregnancy begins is rarely accepted, which is why pre-planning is highly recommended.

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