Planning for a baby involves considering various aspects, and one crucial factor is maternity insurance. Maternity cover policies offer financial protection and peace of mind during pregnancy and childbirth.
Explore the various maternity health insurance plans available in the market, understanding the coverage
options and benefits they offer. Assess your needs and consider factors such as premiums, waiting periods, sub-limits, sum insured, and network hospitals to choose the most suitable plan for your family. By doing so, you can prioritize your financial well-being and receive comprehensive maternity care, providing peace of mind as you embark on the journey of parenthood.
Did you know?
LIC of India offers health insurance plans that provide coverage for maternity expenses. One such plan is LIC's Cancer Cover which offers coverage for maternity expenses and other critical illnesses.
However, it's important to note that LIC's primary focus is on life insurance and may not have specialized maternity insurance plans like other dedicated health insurance providers.
For comprehensive coverage specifically tailored for maternity and child care expenses, you may want to consider OTHER health insurance providers in India.
While the choice of the policy depends on personal circumstances, we have compiled a list of five amazing maternity insurance policies worth exploring. Remember, this list is not exhaustive, and there may be other
suitable options available as well.
Table of Contents:
Care Health Joy Health Insurance Policy:
With the Joy maternity insurance policy offered by Care Health Insurance, you can enjoy premium-quality healthcare facilities without stressing about finances. It comes with a waiting period of nine months. Besides this, it provides newborn baby coverage for up to 90 days.
Key Features:
1. Coverage is for both mother and child.
The benefits of the policy can be reaped for 3-years without any annual renewals.
2. As per the Income Tax 1961, tax benefit on the premium can be availed. (Terms & Conditions apply).
3. Get a single private AC room and maintain your privacy.
4. All pre-hospitalization and post-hospitalization expenses along with day-care treatment, in-patient care, cashless hospitalization and many more benefits are provided.
5. Sum Insured ranges from 3 lakhs to 1 Crore.
2.Activ Health Platinum Enhanced Insurance Plan:
This health insurance policy is provided by the Aditya Birla Health Insurance Company with unique benefits such as chronic management programs, modern treatments, and much more. It covers all the expenses related to the newborn baby.
Key Features:
1. Coverage is for both mother and child.
2. Coverage for modern treatment methods and more.
3. Avail 100% of the sum insured if no illness relates during the policy period.
4. Get a 50% no-claim bonus for not making any claims within a year.
5. Emergency services in both domestic and international conditions.
3.Chola MS Family Healthline Insurance:
Under this family floater plan, maternity coverage is provided to the policyholder. However, the waiting
period is five years. Privilege Healthline, the fourth variant of Chola Healthline offers coverage for maternity treatment and newborn baby expenses to keep the new mother free from financial instability.
Key Features
1. Coverage is for both mother and child.
2. Maternity Expenses (up to 2 deliveries, after 3 consecutive renewals) - Up to Rs. 10 Lakh per delivery (privilege plan)
3. Newborn baby hospitalization expenses - Covered up to sum insured of mother/floater sum insured.
4. Sum Insured ranges from 1 lakhs to 25 lakhs.
5. 10% location-based discount on premium for insured women from Tier 2 locations.
6. 6% long policy term discount for 2-year policy & 12% long policy term discount for 3-year policy.
4. Future Generali Health Total Mediclaim Insurance:
It is a complete package of protection for both you and your loved ones. Discounts, tax benefits, coverage for medical expenses, premium payment flexibility, and much more can be availed of under this policy.
Key Features:
1. Get a newborn baby cover for up to 91 days after birth.
2. Up to a year after the child's birth, all vaccine costs are covered.
3. Coverage for all pre-hospitalization and post-hospitalization charges.
4. Consultation charges of doctors are covered.
5. Patient care, ambulance charges, day-care treatment and many other benefits are included.
5.Star Women Care Insurance Policy:
Unlike most health insurance plans, pregnant women can buy this policy as long as they submit the scan reports taken between their 12th and 20th week of pregnancy. A policy specifically designed to cover the health needs of women and her family. Delivery expenses including
the normal and Caesarean section (both pre-natal and post-natal) are covered up to the limits mentioned in the policy clause.
Key Features:
1. Coverage is for both mother and child.
2. It covers the medical expenses incurred in the treatment of the newborn baby, including the cost of hospitalization, vaccination, metabolic screening and paediatrician consultation.
3. This policy covers Outpatient expenses incurred for ante-natal care after confirmation of pregnancy up to the limits specified.
4. Lump Sum is provided for miscarriage arising due to an accident as per the limits of the policy, subject to a waiting period.
*Waiting Period
Delivery Expenses |
12 months (For a sum insured of up to Rs 10 lakh) |
Assisted Reproduction Treatment |
36 months |
Ante Natal Care |
12 months (For a sum insured of up to Rs 10 lakh) |
In Utero Fetal Surgery/ Repair |
12 months (For a sum insured of up to Rs 10 lakh) |
Miscarriage Due to Accident |
12 months (For a sum insured of up to Rs 10 lakh) |
Delivery Expenses |
12 months (For a sum insured of up to Rs 10 lakh) |
Watch our insightful videos on - “Getting ready for birth and beyond”- to prepare yourself on this wonderful journey of motherhood!
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