Care Health Maternity Health Insurance Plan

With rising hospital charges and medical inflation, planning for maternity expenses has become a priority for Indian families in 2025. A Maternity Health Insurance Plan is a health policy that pays for maternity costs, including pre and post-natal care, delivery charges, and even newborn baby cover. Companies like Care Health have designed maternity plans specifically for the evolving healthcare demands of growing Indian families.

Maternity health cover gives financial support during one of the most important life events. In cities like Mumbai, Delhi, or Bangalore, average delivery expenses can range from ₹60,000 to ₹2 lakh. Without insurance, these costs can heavily impact savings. Recognising this, many couples and young women opt for maternity insurance several years before planning pregnancy.

What Are The Key Features Of Care Health Maternity Health Insurance Plan?

Care Health’s Maternity Insurance offers tailored benefits, making it one of the best choices for Indian families expecting children in 2025.

• Comprehensive Maternity Cover: Both normal and caesarean delivery costs included
• Pre and Post-Natal Expenses: Medical checkups, medications, and follow-ups before and after childbirth
• Newborn Baby Cover: Hospitalisation, vaccination, and critical illness cover for newborn till policy period, often up to 90 days
• No Claim Bonus: Increases sum insured for each claim-free year, providing higher cover over time
• Cashless Hospitalisation: All major hospitals, especially in Tier 1 and 2 cities, are empanelled for cashless service
• Day Care and Ambulance Charges: Extra benefits such as ambulance cover and daycare procedures
• Waiting Period: Available from 9 months to 24 months, reducing delays compared to previous years

What Treatments And Expenses Are Covered?

Care Health’s plan covers a broad list of maternity-related expenses:

• Doctor consultation, ultrasound, lab tests
• Pre-hospitalisation up to 30 days, post-hospitalisation up to 60 days
• Delivery charges (normal and C-section)
• Hospital room rent, nursing charges, medicines and injections
• Newborn hospitalisation, premature baby cover, congenital disorder treatment (if selected)

Did you know? By 2025, over 68 percent of first-time parents in urban India prefer insurance-backed deliveries to minimise out-of-pocket costs according to industry research.

What Are The Exclusions In Care Health Maternity Insurance?

All maternity insurance policies, including Care Health’s, come with certain specific exclusions:

• Expenses related to fertility treatments or IVF
• Pre-existing pregnancies at the time of buying the policy
• Outpatient consultations not part of the plan
• Costs due to voluntary abortion (except in medical emergencies)
• Hospitalisation unrelated to childbirth

The exclusion list ensures that the benefits are specific and the premium remains affordable for genuine maternity needs.

How Does The Waiting Period Work For Maternity Plans?

A waiting period is the duration policyholders must wait after buying the policy before maternity expenses can be claimed. Care Health offers one of the lowest waiting periods starting from nine months for select plans (average remains between 12 and 24 months), meaning you must plan in advance and buy the policy at least a year before planning a baby.

People Also Ask

• Can I claim maternity if already pregnant?
  No, you cannot claim for an existing pregnancy. You must wait for the specific waiting period after purchasing the policy.
• Does the plan cover a second child?
  Most plans cover up to two maternity events but with separate waiting periods for each.

Expert Insight: Financial planners suggest buying maternity insurance at least 2 years before pregnancy to ensure full eligibility and peace of mind.

Comparison of Care Health Maternity Insurance Different From Other Health Insurance Plans?

Traditional health insurance plans often exclude maternity cover or offer it as an add-on. Care Health’s dedicated maternity insurance is designed exclusively for this key life event. Below is a comparison of Care Health’s maternity insurance with standard health plans:

People Also Ask

• Can I upgrade from basic to maternity health insurance?
  Yes, you can upgrade at renewal, but waiting period rules apply from date of upgrade.

Did you know? Since the pandemic, demand for Maternity Health Plans has grown by more than 40 percent among millennial couples, according to policy aggregator data.

What Are The Pros And Cons Of The Care Health Maternity Plan?

Selecting a maternity insurance plan requires understanding its key benefits and limitations. Here is a balanced view:

Pros:

• Financial security during childbirth and aftercare
• Easy cashless claim process across major Indian cities
• Expands sum insured each claim-free year
• Comprehensive newborn baby and vaccination cover
• Shorter waiting period than industry average

Cons:

• Cannot claim for pregnancies conceived before buying/emergency policy
• Premium is higher than standard health insurance without maternity
• Not all complications may be included unless specifically covered

What Should You Consider Before Buying Care Health Maternity Insurance?

When choosing Care Health’s maternity plan, consider these critical factors:

• Waiting period: Assess your current family planning stage and buy early
• Coverage limit: Check if the sum insured is suitable for private hospital costs in your city
• Network hospitals: Confirm good hospital coverage in your area for cashless convenience
• Additional riders: Explore if you need add-ons like infertility or critical illness riders
• Policy renewability: Opt for lifelong renewability to keep the policy active for future needs

How To Claim Maternity Expenses With Care Health In 2025?

Claiming through Care Health has become faster thanks to digital processes in 2025:

• Inform Care Health or the hospital helpdesk within 24 hours of admission.
• Provide policy details and ID at the network hospital.
• Submit required documents such as discharge summary, doctor’s notes, and bills.
• For cashless, Care Health settles bills directly with the hospital.
• For reimbursement, submit scans online and get payment to your bank account in 7-10 days.

People Also Ask

• Is normal delivery covered under the policy?
  Yes, both normal and C-section deliveries are covered up to the amount selected.
• Are prenatal tests and scans included?
  Most prenatal diagnostics and checkups form part of pre-hospitalisation coverage.

Expert Tip: Always keep your health card and latest policy copy handy at the hospital to avoid delays in cashless claim approval.

Who Should Buy Care Health Maternity Health Insurance In 2025?

This maternity policy is ideal for:

• Young married couples planning children soon
• Women employees seeking added benefit beyond employer policies
• Families in metros and Tier 2 cities where delivery expenses are high
• Couples preferring private hospital intervention for childbirth
• Parents wanting newborn cover and critical illness support

Even if you have employer coverage, personal maternity insurance ensures sufficient protection and avoids claim rejections due to corporate plan limits.

Are There Any Tax Benefits With Care Health Maternity Plans?

Premiums paid under Care Health’s individual or family maternity health plans qualify for deduction under Section 80D of the Income Tax Act, 1961.

• For individuals and families: up to ₹25,000 per year
• For senior citizens: up to ₹50,000 per year

Note: Only premiums, not maternity claims or hospital expenses, are eligible for tax deduction.

Did you know? In 2025, over 18 lakh Indians claimed Section 80D benefits by including maternity riders in their policies.

How Much Does Care Health Maternity Health Insurance Cost In 2025?

Cost depends on age, city, and sum insured.

• Couples aged 25-35: ₹27,000 to ₹35,000 annually for ₹5 to 10 lakh sum insured
• Couples aged 36-45: ₹32,000 to ₹38,000 for similar coverage

Choosing higher sum insured and lower waiting periods may increase premium, but provides better protection in cases of medical complications.

TLDR / Quick Recap

• Care Health’s Maternity Health Plan is designed for comprehensive maternity, delivery, and newborn related expenses
• Key benefits include cashless claims, fast digital process, and a shorter waiting period (as low as 9 months)
• Buy the policy at least 1-2 years before planning pregnancy
• Compare waiting period, sum insured, and covered hospitals before purchase
• Premiums are slightly higher but offer extensive cover and tax benefits

People Also Ask (FAQs)

Is maternity insurance claim process complicated?
No, Care Health provides a streamlined online and cashless claim system in 2025, with most settlements within one week.

How many deliveries are covered under one policy?
Usually, up to 2 maternity events are covered with separate waiting periods.

Is IVF treatment included in Care Health’s maternity plan?
No, fertility treatments and IVF are not part of usual maternity cover unless specifically selected as riders.

Can I add my spouse during the policy term?
You can add a spouse at policy renewal or on marriage, but waiting periods start afresh for the addition.

When should I buy maternity health insurance?
Experts recommend buying at least 12 to 24 months before planning pregnancy to overcome waiting periods.

Does newborn cover include vaccinations?
Yes, standard vaccinations for the newborn are covered up to stated policy limits.

Sources:

Care Health Insurance Official Page

Indian Journal of Health Economics 2024-2025