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Top 5 Maternity Insurance Plans in India 2025: An Introduction
Are you gearing up to bring your little bundle of joy into the world?
Congratulation!
Embarking on the journey of parenthood can be an exciting and equally overwhelming experience. The many expenses attached to pregnancy and childbirth can shake your financial stability without a great maternity health plan.
Opting for the best maternity insurance plan for the mother and unborn child is the key to a stress-free transition into parenthood.
Just for your information, a maternity health insurance plan is a type of health insurance policy that is designed to cover the medical expenses associated with pregnancy, childbirth, and newborn care.
Scroll further as we uncover the top 5 maternity insurance plans from established insurers like Star Health, Niva Bupa, Care, and many more market toppers. Learn further what sets them apart, and why you should consider a maternity insurance plan to be an integral part of your journey.
Read more about maternity health insurance.
Understanding Maternity Health Insurance
Before we reveal the top 5 maternity insurance plans let us understand the basic features and characteristics of maternity health insurance:
- Maternity health insurance covers expenses related to pregnancy, childbirth, and other necessary medical care.
- Maternity health plans cover normal and c-section delivery expenses
- Pre-natal and post-natal care is covered under the best maternity insurance plans
List of 5 Best Maternity Insurance Plans in India 2025
According to data provided by UNICEF, 63,578 babies are born in India every day, contributing to one-sixth of the world’s total births. However, every minute one of these newborns dies.
Investing in one of the top 5 maternity plans is necessary and can provide life-saving medical care to both mother and child.
Keep reading to find out more about the same.
| Health Plan | Eligibility | Maternity Waiting Period | Sum Insured |
|---|---|---|---|
| Care Joy | Min: 18 Years Max: 65 Years | 9 Months | 3 and 5 L |
| Star Women Care | Min: 18 Years Max: 75 Years | 24 Months | 5 L to 1 Crore |
| Niva Bupa Aspire | Min: 18 Years Max: No Limit | 9 Months | 3 L to 1 Crore |
| Future Generali PowHER | Min: 18 Years Max: 65 Years | 12 Months | 5 L to 2 Crore |
| Star Assure | Min: 18 Years Max: 75 Years | 24 Months | 5 L to 2 Crore |
Check out why these maternity health insurance plans are the best.
Features Of The Top 5 Maternity Insurance Plans
Now that we have rounded up the best maternity health insurance plans, let us understand the features and benefits offered that help in making your journey to motherhood smoother & stress-free.
Care Joy Plan
One of the best maternity health insurance plans out in the market, the health insurer offers versatile coverage for both the mother and newborn child. The waiting period for covering maternity and newborn baby expenses is limited to 9 months only. Care Joy policy tenure varies from 1/2/3 years making it a long-term health plan so that you do not have to worry about renewals, focusing only on your baby.
Why We Recommend It?
- Available in 2 variants namely, Care Joy Today (Sum Insured 3 L) and Care Joy Tomorrow (Sum Insured 5 L)
- Covers pre-natal and post-natal expenses
- Newborn medical expenses are covered from birth up to 90 days for your little bundle of joy!
Notable Sub-Limits
Maternity Cover (Pre and post-natal included) Up to INR 50,000 Newborn Baby Cover Up to INR 50,000 Explore further the various maternity benefits related to the Care Joy Plan
Premium Chart
Sum Insured (In Rs.) 3 L 5 L Premium (In Rs.) 61,139 82,452 *Premium calculated for Care Joy Plan for 1 year policy tenure including GST*
Star Women Care Plan
A unique maternity health insurance designed for women, available on an individual basis to only females aged between 18 to 75 years as well as families. Pregnant women can also avail of this plan by submitting scan reports taken at Star Health-specified scan centres during the 12th and 20th week of their pregnancy period.
Why We Recommend It?
- Life-saving surgeries covered like Open Fetal Surgery, Fetendo Fetal Surgery
- Star Women Care maternity health plan covers miscarriage due to accidents
- Expenses related to surrogacy are covered after serving a waiting period of 36 months.
Notable Sub-Limits
Miscarriage Due to Accident Up to INR 40,000 Assisted Reproduction Treatment Up to INR 3,00,000 Premium Table
Sum Insured (In Rs.) 10 L 20 L 50 L 1 Cr Premium (In Rs.) 12,154 16,467 22,001 26,762 *Premium calculated for Star Woman Care Plan for 1 year policy tenure including GST*
Explore further the various maternity benefits related to the Star Women Care Plan
Niva Bupa Aspire Plan
A new-age maternity health insurance plan that covers you for IVF treatments, adoption, surrogacy, and more. It is available in Gold+, Diamond+, Titanium+, and Platinum+ variants. Delivery expenses are covered under the plan for both normal and C-section along with Pre-natal and vaccination expenses for newborn babies.
Why We Recommend It?
- Serve a waiting period of only 9 months before maternity benefits are covered under the Titanium+ and Platinum+ variants of the plan
- Avail of treatment anywhere in the world with personalized co-pay options between 0% to 50%
- The waiting period you serve will be carried forward to your spouse when added in the future
Notable Waiting Periods
All maternity-related expenses are covered up to the sub-limits under the M-iracle section of the Niva Bupa Aspire Plan. However, the waiting period varies for maternity coverage.
Plan Variants Gold+ Diamond+ Platinum+ Titanium+ Maternity Waiting Period 48 Months 24 Months 9 Months Premium Table
Sum Insured (In Rs.) 10 L 20 L 50 L 1 Cr Premium (In Rs.) 12,429 18,334 24,173 28,678 *Premium calculated for Niva Bupa Aspire Plan for 1 year policy tenure including GST*
Explore further the various maternity benefits related to the Niva Bupa Aspire Plan
Star Assure Health Plan
Ideal health insurance for individuals seeking maternity health plans with a wide range of sum insured options and a multitude of features such as compassionate travel, assisted reproduction treatment, and automatic restoration of the sum insured.
Why We Recommend It?
- Multiple sum insured options for maternity health insurance coverage ranging from INR 5 Lakhs to 2 Crores.
- Star health insurance will reimburse medical expenses incurred on Assisted Reproduction Treatment
- Air ambulance is payable to covered individuals and families in case of any medical emergency or other requirements subject to the mentioned sub-limits in the policy schedule
Explore further the various maternity benefits related to the Star Assure Health Plan
Notable Sub-Limits
Hospitalisation Expense For Treatment of Newborn Baby Up to INR 4,00,000 Assisted Reproduction Treatment Up to INR 4,00,000 Premium Table
Sum Insured (In Rs.) 10 L 20 L 50 L 2 Cr Premium (In Rs.) 11,519 16,284 20,992 28,286 *Premium calculated for Star Assure Plan for 1-year policy tenure including GST*
Future Generali PowHER
This plan is specially designed for the 21st-century women. This plan gives coverage to women and their family members. The plan comes with three variants, which are PowHer Essential, PowHer Advance, and PowHer Supreme. The sum insured and sub-limits of each variant is different.
Why We Recommend It?
- Along with maternity coverage, this plan gives comprehensive coverage the women.
- Up to INR 2,00,000 per delivery coverage is available for expenses related to a normal or c-section delivery.
- Gives up to Rs 3,00,000 of the sum insured for infertility expenses.
Explore further the various maternity benefits related to the Future Generali PowHer.
Notable Sub-Limits
Normal Delivery Expense Up to INR 1,25,000 C-section Delivery Expense Up to INR 2,00,000 Premium Table
Sum Insured (In Rs.) 10 L 20 L 50 L 1 Cr Premium (In Rs.) 11,634 14,546 19,918 24,626 *Premium calculated for Star Young Star Health Plan for 1 year policy tenure including GST*
How To Identify The Best Maternity Insurance Plans?
There are certain factors that the best maternity insurance plans have set them apart from the rest of the lot. Here are the ones you must look for:
Network Hospitals
A vast list of network hospitals is great, but a vast list of network hospitals offering top-quality maternity medical care is what you should consider.
One of the most important features the best maternity insurance plans can provide is a robust network of hospitals that can cater to you at this crucial phase of your life.No Sub-Limits
The best maternity insurance plans are the ones that offer you ideal maternity care with no sub-limits attached to them.
Covering delivery expenses, pre-natal and post-natal expenses up to Sum Insured is beneficial over setting a capping on the same.High Claim Settlement Ratio
A high claim settlement ratio is indicative of the number of claims settled by an insurer. A high CSR is essential to identify the best maternity insurance policy among many.Advance Medical Treatments
The best maternity insurance policies are the ones that offer you the latest maternity treatments and procedures ensuring the overall well-being of you and your child.
Procedures like IVF treatments, surrogacies, and legal adoption are rarely covered by health plans. Opt for maternity health plans that can offer it all.Adequate Sum Insured
A high sum insured is a key characteristic of the best maternity insurance policy. Medical care costs related to pregnancy and childbirth are on a consistent rise due to medical inflation.
To tackle the same opt for maternity health insurance which offers you an adequate sum insured enough to cover you for all costly procedures.
Who should buy a maternity health insurance plan?
You should buy health insurance for maternity if you are the,
- Couple planning to have children.
- Women with any pre-existing medical conditions that could affect the pregnancy.
- A family looking for a surrogate mother.
How to Buy a Maternity Health Insurance Plan?
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on ’Get free quotes’ and compare Star Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased star health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Star Health Insurance plan.
How To File A Claim For The Best Maternity Insurance Plans
Filing maternity health insurance claims might seem confusing but in reality, it is an uncomplicated process. All you need are your essential documents, prescriptions, medical reports, etc., and follow the steps below:
- Step 1
Visit the PolicyX, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
The Final Verdict
Picking the best health insurance plan among an ocean of maternity plans available in the market today is a task for many.
We have listed the top 5 maternity health plans with their features, benefits, significant waiting periods, and premium tables to make your decision-making process easier.
Always remember investing in the best maternity insurance policy will bring you the best medical care for yourself and your newborn baby. For further information or queries, visit us at PolicyX.
Health Insurer Network Hospitals
Top Maternity Insurance Plans: FAQs
1. Which are the top 5 maternity health insurance plans in India in 2024?
The top 5 maternity insurance plans are: Care Joy Plan Star Women Care Plan Star Assure health Plan Young Star Insurance Plan Niva Bupa Aspire Plan
2. Can you buy a maternity health insurance plan if you are already expecting?
Yes, pregnant women can avail of Star Women Care by submitting scan reports taken at Star Health-specified scan centres during the 12th and 20th week of their pregnancy period.
3. What are the factors to consider when selecting the best health insurance plan for pregnancy?
The various factors to consider are: Network Hospitals High Claim Settlement Ratio Advance Maternity Treatments No Sub-Limits Adequate Sum Insured
4. Are newborn baby expenses covered under the best maternity health insurance?
Yes, newborn baby expenses are covered under the best maternity health insurance plans.
5. Are waiting period mandatory for all maternity health insurance plans?
Yes, waiting period is mandatory to serve under any maternity health insurance plan you choose.
6. Is C-section covered by insurance?
Yes, most of the health insurance that gives maternity benefits, covers c-section delivery too.
7. Is maternity insurance worth it
Yes, maternity health insurance gives coverage from conceiving to childbirth. It will save you from financial stress, by covering expenses during delivery, and will take care of the medical expenses of the newborn baby up to his/her first 90 days.
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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