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Maternity Cover: All You Need to Know About

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Congratulations on the exciting news of your pregnancy! How are you feeling about it?”

Responses typically range from “delighted” to “worried,” with concerns often revolving around the well-being of the expectant mother and the baby and the financial implications of prenatal, perinatal, and postnatal care. While the prospect of becoming parents is cause for celebration, it also underscores the importance of careful planning. 

Family planning is a pivotal step in assessing a couple’s physical, psychological, and financial readiness. Considering the significant costs associated with childbirth and healthcare, exploring options like maternity insurance becomes crucial in ensuring a smoother transition into parenthood, albeit with its own set of considerations and benefits.

What exactly is Maternity Health Insurance?

Maternity health insurance is a safety net, providing financial support for individuals facing pregnancy-related expenses such as medical treatments and procedures. This policy typically covers both the expectant mother and the newborn (the latter is usually included in most plans).

With the steep rise in healthcare costs and the growing complexities surrounding childbirth, coupled with escalating expenses for newborn care, many couples find themselves in urgent need of financial assistance when planning for a family.

Responding to this increasing demand, health insurance providers now offer maternity insurance policies, which can either stand alone or be added onto existing plans, depending on the insurer’s offerings.

What are the Pros and Cons of Maternity Coverage in India?

1. Healthier Pregnancy: Maternity coverage ensures expecting mothers receive necessary prenatal care, improving maternal and child health outcomes.1. Limited Coverage: Some maternity policies may have limitations on coverage, such as waiting periods or exclusions for pre-existing conditions.
2. Financial Support: Maternity coverage provides financial assistance to cover medical expenses related to childbirth, reducing the financial burden on families.2. High Premiums: Comprehensive maternity coverage plans may come with high premiums, making them unaffordable for some individuals or families.
3. Access to Quality Healthcare: Maternity insurance often includes access to quality healthcare facilities and specialists, ensuring mothers receive the best possible care during pregnancy and delivery.3. Complex Claim Procedures: Some insurance companies may have complex claim procedures or require extensive documentation, which can lead to delays or denials in reimbursement.
4. Maternity Leave Benefits: Certain employment-based maternity coverage offers paid maternity leave, allowing mothers to take time off work to care for their newborn without financial strain.4. Limited Coverage for Complications: Some policies may have limited coverage for pregnancy complications or emergency procedures, leaving the policyholder vulnerable to unexpected expenses.
5. Support for Neonatal Care: Maternity coverage may extend to cover neonatal care expenses, ensuring comprehensive support for both mother and baby post-delivery.5. Exclusions for Certain Services: Certain maternity policies may exclude coverage for specific services or treatments, leaving policyholders to bear the cost.
6. Preventive Services: Maternity coverage often includes coverage for preventive services such as prenatal screenings and vaccinations, promoting the health and well-being of both mother and child.6. Limited Network Providers: Some insurance plans may have a limited network of healthcare providers, restricting access to preferred doctors or hospitals.
7. Risk of Policy Cancellation: If premiums are not paid on time or if the policyholder’s health status changes, the policy may be canceled or non-renewal.7. Risk of Policy Cancellation: There is a risk of policy cancellation or non-renewal if premiums are not paid on time or if the policyholder’s health status changes.
8. Pre-existing Condition Exclusions: Some maternity policies may exclude coverage for pre-existing conditions related to pregnancy, limiting the benefits for individuals with existing health issues.

After discovering the details of maternity coverage in India, it is essential to discuss the factors to consider and tips for making the right choice.

What are the Factors to Consider When Choosing Maternity Cover?

  • Coverage Details: Review the coverage offered by different plans to ensure it meets your needs. Consider prenatal care, childbirth options, hospital accommodation, and postnatal support.
  • Cost and Affordability: Evaluate each plan’s premiums, deductibles, and out-of-pocket expenses. While a comprehensive plan may offer extensive coverage, it may cost more.
  • Network Providers: Check if the maternity cover includes your preferred healthcare providers and hospitals. A plan with a broad network ensures access to quality care during pregnancy and childbirth.
  • Waiting Periods: Be aware of any waiting periods before maternity benefits become effective. Some plans require policyholders to wait a certain period before accessing maternity-related benefits.
  • Additional Benefits: Explore additional perks maternity cover offers, such as newborn care, lactation support, and childcare services. These extras can enhance the overall experience for new parents.
  • Flexibility and Customization: Look for flexible plans to tailor coverage to your unique needs. This might include options to add coverage for complications during pregnancy or extend maternity leave beyond standard durations.

What are Tips for Making the Right Choice?

  • Start Early: Research maternity cover options as soon as you start planning for pregnancy. Understanding your choices beforehand allows you to make informed decisions without feeling rushed.
  • Compare Multiple Plans: Don’t settle for the first option. Compare multiple maternity cover plans to find the one that best aligns with your requirements and budget.
  • Read the Fine Print: Pay attention to the terms and conditions of each plan, including exclusions, limitations, and claim procedures. Understanding the fine print helps avoid surprises later on.
  • Seek Expert Advice: If unsure which maternity cover to choose, consider consulting with an insurance advisor or healthcare professional. They can provide personalized guidance based on your circumstances.
  • Consider Future Needs: Think beyond the immediate future and consider how your needs might evolve. Choose a maternity cover that offers long-term benefits and flexibility to adapt to changing family dynamics.

What Maternity Cover Plans Are Available?

  • Aditya Birla Activ Fit Plan: This plan covers up to two pregnancy events under the preferred variant.
  • Bajaj Allianz Health Guard Plan: Covers maternity and newborn expenses with a limit of two deliveries or terminations.
  • Digit Health Care Plus Policy: Offers maternity benefits and newborn baby coverage as an optional benefit.
  • Future Generali Health Absolute Plan: Covers medical expenses during pregnancy with additional coverage for a girl child.
  • Kotak Mahindra Health Premier Plan: Offers comprehensive coverage for medical expenses during pregnancy with a limit of two deliveries.
  • ManipalCigna ProHealth Insurance Plan: Covers maternity expenses with an optional reduction in the waiting period.
  • New India Yuva Bharat Health Policy: This policy offers comprehensive coverage against medical expenses arising from pregnancy, with an enhanced maternity limit benefit as a rider.
  • Reliance Health Infinity Insurance Plan: This plan covers medical expenses during pregnancy and the treatment of a newborn baby for 3-year policies only.
  • Tata AIG Medicare Premier Plan: Offers maternity cover for unlimited pregnancies with a higher coverage limit for girl child.

While you research, many more options are available. Evaluate each plan carefully before making the final choice. Maternity insurance is vital in ensuring financial security and peace of mind during the journey to parenthood. Remember, proactive planning and careful consideration are key to making the most of maternity insurance in India.


  1.  When is the best time to purchase maternity insurance?

     It's advisable to purchase maternity insurance well before conception, as most policies have a waiting period ranging from nine months to two years. Buying the policy early ensures that you can avail of maternity benefits when the time comes.

  2. Does maternity insurance cover cesarean deliveries?

    Yes, most maternity insurance plans cover both normal and cesarean deliveries. However, reviewing the policy terms and conditions is essential to understand the extent of coverage and any exclusions related to delivery procedures.

  3. Can I add maternity coverage to an existing health insurance policy?

     Some health insurance policies offer the option to add maternity coverage as a rider or an add-on benefit. However, this may come with additional premiums and waiting periods. It's recommended to consult with your insurer to explore the available options and make an informed decision.

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I’m Archana R. Chettiar, an experienced content creator with
an affinity for writing on personal finance and other financial content. I
love to write on equity investing, retirement, managing money, and more.

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