Maternity Insurance

Maternity insurance provides coverage for expenses related to childbirth and pregnancy, including pre and postnatal care, hospitalization, and delivery charges. It can also cover complications arising during childbirth, making it an essential insurance policy for expectant mothers.





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What is Maternity Insurance?

Parenthood is the most blissful experience in a couple’s journey together in life. But with the rising medical costs, pregnancy and related expenses can be a significant financial burden. Having a Maternity Insurance would help you recover the costs related to pregnancy (normal and C-Section delivery). You can add this cover as an add-on along with a standard health insurance policy. Some Insurance companies provide maternity cover along with pre-natal and post-natal expenses and vaccination expenses. 

A waiting period in a maternity insurance is a time period that one must pass before one can avail the benefits of the coverage. The waiting period ranges from 9 months to 24 months. So, it is better to avail a maternity coverage well in advance before you are planning to start a family.

Why Maternity Insurance is important?

Normal delivery expenses could range anywhere between Rs. 50000 to Rs. 2 Lakhs in any decent hospital. It might be a huge financial burden for middle-class families. Hence, maternity insurance is one of the best ways to tackle this expense.

In the event of complexities like premature birth, the newly born baby must be kept in an incubator for a period of time. The cost of incubators would be around Rs. 10000 per day. It may come as a shocker to the unassumed and may be a huge financial burden on family. However, with a maternity insurance, you can find a breather as it will take care of the medical expenses.

Most importantly, it helps the couple to start a family without the consequences of a financial burden. Most couples take time to plan their baby because of the expenses, as the maternity insurance policy comes with a waiting period, the couples can plan for a kid without having to worry about financial burden.

Coverage in a Maternity Insurance

Following are the categories that are covered under Maternity Insurance,

  • Pre and Post Hospitalization – Pre-hospitalization expenses cover upto 30 days prior to the date of admission to the hospital and post-hospitalization expenses upto 60 days from the date of discharge
  • In-hospitalization expenses – Room expenses, Surgeon expenses, anaesthetist, and nursing expenses. Some plans even offer ambulance expenses
  • Pre-and Post Natal cover – Pre-and Post-natal expenses are also included
  • Coverage for New Born – If newborns are diagnosed with any critical illness, then they are also covered
  • Vaccination Charges  – Vaccination expenses for the newborn are also included
  • Stem Cell preservation – It helps in the collection of umbilical cord blood after childbirth

Exclusions in a Maternity Insurance

  • IVF Treatment
  • Surrogacy
  • Daily Cash Benefit
  • Regular Medical Check-up
Eligibility Criteria

In order to avail Maternity Insurance, one must be atleast 18 years old and the maximum age is 45.

Claim Process

Cashless Claim:

  • Get admitted to a network hospital, and provide the insurance details
  • Submit the duly-filled claim form provided by the hospital at the time of hospitalization 
  • The hospital will forward the claim form along with the medical reports to the Insurance Company
  • The Insurance Company will directly settle the claim with the hospital


  • If you are admitted in a non-network hospital, after the treatment, submit the duly filled claim form and all the medical records to the company
  • The Insurance Company will verify your claim and if it is approved, then you will receive the amount credit to your account directly

Documents Required for Claim Process

While raising a claim for a maternity insurance, you should submit a set of documents to enable hassle-free claim,

  • Duly Filled Claim Process
  • Policy Documents
  • Discharge summary
  • Fitness Certificate
  • KYC Documents
  • All the medical reports and medicine bills

Tax Benefits

All health insurance policies in India offer a tax exemption of up to Rs 25,000 under Section 80D of the Indian IT act. However, tax exemption will not be offered if the maternity benefit is offered by the employer under Group Medical Insurance Policy.

How to Find the Best Maternity Insurance Policy?

  • Check the quotes from multiple insurers before making a decision to purchase. You can a site like ours to check the quotes from multiple insurers
  • Check the important parameters like waiting period, room rent tariff, renewability, co-payment facility, coverage details, pre-and post-natal limit etc.
  • Clarify your doubts regarding the plan from the insurers, and then buy the plan
Most companies consider pregnancy during policy purchase as a pre-existing condition; hence, you will get coverage under the plan if you are already pregnant.
Waiting period is the time which the policyholder must wait, till the insurance comes into effect. Usually, the waiting period in a maternity insurance ranges from 6 months to 4 years.
The Sum Insured varies from one company to the other. Based on your requirement and factoring in other parameters such as your location, health conditions, you can opt for the one that meets your requirements.
The Premium for Maternity Insurance is higher compared to the regular medical insurance policy since the chances of claim are absolute. Always do a cost-benefit analysis before zeroing in on the perfect insurer.