- Maternity health plans
- Cover for mother & newborn
- How to choose your plan?
Best Insurance Plans for Pregnancy
Buy pregnancy health insurance before you plan your family. Why? Read further to learn more about what maternity insurance can do for you!
According to the Sample Registration System (SRS) study report by the Registrar General of India (RGI), 113 out of 1 Lakh live childbirths was the number of Maternal Mortality Ratio (MMR) in India between 2016–18. This number is one of the highest in comparison to other developing countries. More than 49% of the women population in India are prevalent to high-risk pregnancies as per the National Institutes of Health (NIH).
This is not just a report but the reality of women’s health in India, where you can’t afford continuous pregnancy care, all thanks to skyrocketing maternity medical expenses. But where’s the solution for our ‘aadhi aabaadi’ (incomplete independence) regarding healthcare in India??
Maternity health insurance is a tool to fight hefty childbirth expenses. It covers the female insured member or the mother-to-be for healthcare from conceiving to delivery and post-partum care. Mothers are assured of their baby’s post-birth care if they have bought the best health insurance policy with maternity coverage benefits.
This page discusses more about its coverage, the best pregnancy health insurance plans, and what it covers related to maternity, inclusions, exclusions, and so on. Read on and plan your pregnancy with an additional layer of insurance protection.
Top Health Insurance Plans for Pregnancy
Here are some standout maternity health insurance plans and their eligibility criteria, sum insured options, maternity waiting period, and so on. Read about their specifications and more features in further sections:
| Maternity Health Plans | Entry Age for Maternity Cover (min-max) | Sum Insured | Minimum Waiting Period |
|---|---|---|---|
| Niva Bupa Aspire | 18 years- NA | 3 L - 1 Cr | 9 months - 2 years |
| Care Joy | 18 - 45 years | 3 L -5 L | 9 months - 3 years |
| Star Women Care | 18 - 35 years | 5 L - 1 Cr | 1 - 2 year/s |
| Star Assure | 18 - 45 years | 5 L - 2 Cr | 2 years |
| Aditya Birla Activ Fit | 18 - 45 years | 5 L - 1 Cr | 3 years |
Key Takeaways
- Pregnancy health insurance plans cover all sorts of maternity-related expenses on a cashless basis.
- Best insurance plans for pregnancy have all the benefits resulting from pre to post-natal care, delivery (normal or C-section) expenses, post-partum care, IVF treatment, and so on.
- Pregnancy insurance plans like Niva Bupa Aspire also cover the expense of surrogacy and adoption
- Considering factors before buying a maternity health plan are waiting period, coverage, sum insured, sub-limits, policy term, exclusions, etc.
- Any complications related to childbirth are highly expensive, and maternity insurance plans cover it as well.
Specifications of Best Insurance Plans for Pregnancy
-
Niva Bupa Aspire
- Normal and C-section delivery
- Pre-natal check-ups & vaccinations
- In-vitro fertilization (IVF)
- Surrogacy expenses (for surrogate mother)
- Adoption cover
-
Care Joy
- Newborn baby cover for 90 days
- 540+ daycare procedures
- Pre & post-natal care expenses
- Newborn birth defects are covered
- In-patient care and hospitalization
-
Star Women Care
- Modern treatment for oral chemotherapy, intravitreal injections, robotic surgeries, etc
- Star Mother Cover offers room rent for mothers of over 12-year-old child’s hospitalization
- In-utero fetal surgery
- Accidental miscarriage cover
- Voluntary sterilisation expenses
- Surrogacy and oocyte donor cover
-
Star Assure
- Assisted reproduction treatment
- Newborn baby cover & congenital care for them
- Rehabilitation and pain management
- In-utero fetal surgery
- Second medical opinion and air ambulance facility
-
Aditya Birla Activ Fit (Preferred)
- Maternity coverage upto INR 60,000 and pregnancy complications
- Pre and post-natal care
- Newborn baby expenses
- IVF treatment and surrogacy expenses
- Vaccinations of the newborn baby
How to Choose A Health Insurance Plan For Pregnancy in India?
Here are some points to check out before you invest in pregnancy health insurance:
-
Waiting periods
Choose insurance for pregnancy coverage that comes with a waiting period of not more than 2 years if not less than this. A shorter waiting period for maternity insurance will help you claim early. In the case of health plans with longer waiting periods, you need to buy your maternity plan as soon as you get married or even before marriage. -
Coverage specifications
A suitable and the best health insurance for pregnancy covers all the medical costs related to pregnancy, delivery, pre and post-natal care, assisted reproduction treatment, childbirth complications, and more of the female insured member. Make sure you have checked these specifications in your policy documents. -
Exclusions
There’s a high chance of your maternity claim rejection even if you have bought the best pregnancy health insurance policy available in the market. It is because policyholders forget to cross-verify about what their maternity insurance does not cover and which healthcare facilities are excluded from the list or there’s a hidden clause like co-pay, deductible, sub-limits, etc. So, check your coverage terms and conditions before policy accession. -
Policy cover term
Long-term health insurance with maternity coverage is suitable for those who are not sure of when to plan their family. One must choose pregnancy insurance with a minimum of 3 to 4 years policy period. -
Networking hospitals
Check the detailed list of hospitals in the network with your insurance company so that you don’t have to run to and fro when there’s an emergency. It’ll also help you get hospitalized at the nearest networking health centre or hospital whichever is less distant. Also, keep an eye out for blacklisted hospitals and nursing homes, as getting admitted to one of those can cause trouble during the claim.
What Are The Inclusions of Pregnancy Health Insurance?
The best health insurance plans for maternity cover all sorts of medical and hospitalization expenses related to pregnancy, pre and post-natal care, and so on.
Read below what medical insurance for pregnancy in India covers for insured women:
- Delivery cost
- Pre-natal and post-natal care
- Vaccinations
- Newborn baby cover
- Daycare procedures
- Hospitalization; room rent, ICU, etc
- IVF (if, specified)
- Surrogacy (if, specified)
- Ambulance charges
- Any complications due to accidents, etc
What Does Insurance Plan for Pregnancy Not Cover?
With all sorts of inclusions related to maternity insurance, there are some of the pre-set exclusions (what’s not covered) of pregnancy health insurance as well. Read below the list of common exclusions under medical insurance for pregnancy in India:
- If an insured female gets pregnant while serving the waiting period
- Cosmetic or beauty treatment
- Tonic and vitamin expenses
- Consultations and/or diagnostic charges
- Pre-existing conditions
- Congenital diseases or external anomaly
- Infertility or sterility treatments, etc
Connecting The Dots
Bearing all the costs of pregnancy and other maternity care has become a luxury for average people, not just in India but globally.
What’s the solution for it?
Pregnancy health insurance saves you money, and makes sure that the mother and newborn child stay safe, before pregnancy, while delivering, and after childbirth. It not only covers all sorts of your maternity expenses but lets you delve into the joys of parenthood without the worries.
Not sure about buying pregnancy health insurance yet? Get free guidance from trusted advisors about a health insurance plan that covers pregnancy in India. Call our experts at 1800-4200-269 now and get answers to your questions about the best maternity insurance plans.
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Pregnancy Health Insurance : FAQ
1. Does health insurance cover pregnancy in India?
Yes, comprehensive health insurance plans in India cover pregnancy and all sorts of maternity-related expenses.
2. Which health insurance is best for pregnancy?
If you want to know about medical insurance plans for pregnancy in India, call us at 1800-4200-269. Here are some of the best health plans with maternity coverage: Niva Bupa Aspire Care Joy Star Women Care Aditya Birla Activ Fit Preferred Star Assure
3. What is the minimum waiting period for maternity insurance?
The minimum waiting period of health insurance that covers pregnancy ranges between 9 months to 2 years, which may vary from one plan to the other.
4. Can I buy maternity insurance if I’m already pregnant?
Since pregnancy is considered a pre-existing condition, you cannot get any benefits related to pregnancy from it. However, the pregnancy cover of your health insurance can be used for the next pregnancy period.
5. Can I buy pregnancy health insurance for my wife?
Yes. If you are insured under a family floater plan, your spouse/wife will be covered on a floater basis.
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Written By: Simran Nirala
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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