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Get Lowest Rates for Pregnancy Cover

Health Plans Starting @ Rs 250* / month

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A maternity health insurance plan pays for your hospital expenses related to hospitalization, delivery, tests & medicines. It can be a part of your existing plan or you can purchase it as an add-on rider plan with all below mentioned benefits.

Best Health Insurance Plans in September 2022

Corona Kavach Policy
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Personal Accident Insurance
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Why You Must Have Maternity Health Insurance?

Maternity health insurance pays for the following expenses for a pre-specified amount. These benefits vary from plan to plan. You need to connect with an expert to understand the exact benefits & their pricing.

  • Hospital Bill – Pays for hospitalization, delivery, tests & medicines.
  • Delivery Costs – Pay for expenses related both normal deliveries as well as C-section deliveries.
  • Termination – Some health policies may also pay for the termination expenses caused due to complications.
  • Pre-Natal & Post Natal – Some insurance companies pay for pre-natal & post-natal expenses.
  • New Born Cover – Some health insurance plans also cover the new born baby.

Best Maternity Health Insurance Plans in September 2022

Health Insurance Company Maternity Insurance Plans
Niva Bupa Health Insurance Niva Bupa Heartbeat – Family Health Insurance Plan
Religare Health Insurance Religare Joy Plan
HDFC ERGO Health Insurance previously Apollo Munich Health Insurance Easy Health Young Family
Royal Sundaram Health Insurance Lifeline Elite
Star Health Insurance Wedding Gift Insurance Plan
HDFC ERGO Health Insurance Health Suraksha Gold

Benefits of Maternity Health Insurance

Parameters Benefits
Comprehensive Coverage
  • Maternity Cover
  • New born cover up to sum insured
  • Home Hospitalization
  • Emergency Ambulance Services
  • Discount on Renewal Premium
  • Organ donor cover for the individual donating the organ
  • International Coverage
  • Complimentary Health Check-ups
Ambulance Charges
  • Ambulance cover as a fixed amount or percentage based on the sum insured.
Hospitalization Coverage
  • Daily hospital allowance
  • Room rent/ICU charges
Cashless Facilities
  • At Network Hospitals Only
Tax Benefit
  • Tax benefit of up to Rs. 75,000 on annual premium payments as per Section 80D of the Income Tax Act, 1961
Premium Payment
  • Discount on premium
  • Reward program on premium paid
Pre & Post-Natal Expenses
  • Cover for normal as well as caesarean delivery
  • Pre and post-natal expenses
  • May cover post-delivery complications for the mother after childbirth.
Emergencies
  • Emergency medical evacuation of the insured at foreign locations
  • Emergency medical evacuation in India through air ambulance or flight

What’s Covered in Maternity Health Insurance?

These benefits vary from plan to plan. You need to connect with an expert to understand the exact benefits & their pricing. Talk To An Expert.

  • Delivery Cost – Covers delivery expenses for both normal & caesarean.
  • Pre-natal & Postnatal – Costs related to medicines, doctor's fee, check-ups & ultrasound.
  • New-born Cover – Provides cover for the new born baby up to the expiry of the policy.
  • Vaccinations – The new-born cover includes vaccinations as well.
  • Pre & Post Hospitalization – Pays for expenses 30 days before hospitalization & 60 days after discharge.
  • ICU & Room Rent - Pays for both ICU & normal bed charges.
  • Day Care – Pays for specific treatments requiring less than 24 hrs. of hospitalization
  • Cashless Treatment – Cashless Facility at network hospitals.
  • Ambulance Charges – Pays for emergency ambulance charges.
  • Home Treatment – Cover for domiciliary hospitalization & international coverage.

What’s NOT Covered in Maternity Health Insurance?

Vitamins & Supplements
Expenses on vitamins or supplements which are not covered under the treatment plan.
Gestation Period Treatment
Diagnostic tests, doctor’s consultation, follow ups & regular check-ups during the gestation period.

Things To Remember While Buying Maternity Health Insurance

  • Waiting Periods – All plans come with a waiting period ranging from 36 to 72 months of continuous renewals.
  • Maternity Spend Limits – Maternity cover may not be more than Rs. 50,000/-. There are few exceptional policies though.
  • Policy Wordings – Read all the terms & conditions about what’s covered & not covered in your plan.

Best Health Insurance Company in India September 2022

HDFC ERGO
HDFC ERGO Health Insurance
Reliance
Reliance Health Insurance
Oriental
Oriental Health Insurance
Bharti AXA
Bharti AXA Health Insurance
Royal Sundaram
Royal Sundaram Health Insurance
National
National Health Insurance
SBI
SBI Health Insurance
Liberty General
Liberty Health Insurance
Universal Sompo
Universal Health Insurance
ICICI Lombard
ICICI Lombard Health Insurance
United India
United India Health Insurance
Bajaj Allianz
Bajaj Allianz Health Insurance
IFFCO TOKIO
IFFCO TOKIO Health Insurance
LIC
LIC Health Insurance
Care
Care Health Insurance
Raheja
Raheja QBE Health Insurance
Niva Bupa
Niva Bupa Health Insurance
New India Insurance
New India Health Insurance
TATA AIG Insurance
TATA AIG Health Insurance
Aditya Birla
Aditya Birla Health Insurance
Star
Star Health Insurance
ManipalCigna
ManipalCigna Health Insurance

Documents Required to Apply for Pregnancy Insurance

  • Proof of Age – Aadhaar Card, Certificate of Birth, Passport, Passing Certificate for Standard 10th or 12th, etc.
  • Proof of Identity (PoI) - Aadhaar Card, Passport, Driving License
  • Proof of Address (PoA)
  • Electricity Bill, Driving License, Ration Card, etc.
  • Medical check-up reports for policyholders above the age of 45 years
  • Passport size photographs

Maternity Insurance Claims Process

Cashless claims at Any Network Hospital of your Insurance Company:

Cashless claims Reimbursement of Claim
  • Submit the filled up claim form that your hospital provides you at the time of hospitalization
  • Submit the filled up claims form post-hospitalization to your insurance company along with the required documents like receipts and bills of reports and medical treatments, etc.
  • The hospital authorities sends the claims form to your insurance company, along with your doctor's reports
  • The Claim Experts of your insurer may raise queries, which you have to reply to and submit the additional information or documents, if required.
  • The Claim Experts of your insurer may raise queries, which the hospital/you have to reply to. If your claim is approved, your insurer will pay your hospital directly as per the sum insured that you are eligible for.
  • If your claim is approved, your insurance company will reimburse you as per your eligible sum insured
  • Explore More About Health Insurance

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    Faqs on Maternity Insurance

    • Q. If I am already pregnant, can I be covered for maternity?
      • As most insurers count pregnancy as a pre-existing condition, they will not accept your application if you are already pregnant unless you are entering a group policy.

    • Q. Does Regular Health Insurance Policies Provide Maternity Cover
      • Yes, they do. But this goes against the principle of insurance. You don't insure an event that is most likely to occur. You insure an event that only has a rare possibility of occurrence. See the difference? However, most insurers still promote this cover for a couple of reasons:

        • Reason 1 - It is a great marketing ploy, as the brochure reads 'MATERNITY COVER INCLUDED.'
        • Reason 2 - It helps cushion the maternity expenses for 'loyal' customers
    • Q. What if my baby is born with a birth deformity?
      • If your baby is born with an abnormality, deformity, disease, illness or injury, it is termed as a congenital condition. The coverage for such deformity purely depends on the insurance company and varies from all to none to partial.

    • Q. Is my baby covered right from the birth?
      • Some insurers do cover the newborn baby from day one until they are 90 days old. From day 91, they can be added to the parent's policy by paying the additional premium. And some don't at all. However, this decision entirely rests with the underwriting team of the insurance company.

    • Q. My daughter is getting married soon, and I wish to gift her a health insurance plan. What other benefits should I consider along with Maternity cover?
      • Congratulation on such a thoughtful gesture! Apart from Maternity cover, you can consider a plan that offers other valuable benefits as a cover for critical illness, hospital cash, room-rent waiver, etc. Also, find a plan that has fewer restrictions on sub-limits. Call Coverfox.com to assist you with the best deal!

    • Q. Are maternity expenses covered under the health insurance policy?
      • Motherhood is a gift every woman wants to nurture. Sadly, the expenses arising right from the delivery to pre and post hospitalization as well as the new-born care are exorbitant these days.

        Health Insurance is a type of mediclaim that strives to offer insurance coverage to reduce your medical and surgical expenses. Maternity expenses are also covered under a health insurance policy.

        Most insurers consider pregnancy as a pre-existing condition. So, it definitely comes with a waiting period clause. Additionally, if you are already pregnant, an individual health insurance cover will not cover maternity expenses. A group health insurance plan may however cover maternity even if you are pregnant while entering the plan.

        However, the below factors come into picture, when you plan your maternity under a health insurance policy:

        Waiting period and extra premium Well, it goes without saying that every health insurance policy comes with a waiting period. Once you ask the insurer to add maternity in your health insurance policy, you will have to adhere to the waiting period of 2 years. This waiting period however depends on one insurer to another. At times, this may be as long as 4-6 years. Besides, health insurance along with a benefit of maternity comes at a higher price than normal. This is because insurance companies treat maternity as a high risk cover. The claim ratio is mostly higher for this type of cover unlike other expenses covered under a health insurance policy. For example, Ajay a newly married 30 year was advised to buy a family floater plan that covered maternity too. Happily he wished to opt for the same since he was planning to start a family in 2 years. Sadly, the insurance agent explained that the plan had a waiting period of 4 years. Ajay then planned to opt out of the maternity cover since it was incurring a heavy

        The exclusion list Buying a health insurance with a maternity cover doesn't necessarily cover all the medical expenses. For example, pre and post hospitalization expenses may not cover ultrasound charges or all your visits to the gynaecologist. Besides, fertility treatments like IVF, IUI etc. also are not covered. Abortions also frame a part of the exclusion list. Complications arising in the pregnancy leading to medical termination of pregnancy is covered by a very few insurers. So, it is advisable not to buy a health insurance policy only to cover maternity benefits. This is because, you continue paying a higher amount of premium till the time you renew your health insurance plan. There are also high possibilities of certain expenses not getting covered due to the cap on charges. You may still buy special maternity plans from a health insurance company that covers cost for pre and post hospitalization, cost of the delivery that includes both normal and c-section, covers the new-born baby as well as the ambulance charges.

    • Q. What is excluded under a maternity health insurance policy?
      • The following are not covered by maternity health insurance plans:

        • Medical tests undertaken during pregnancy
        • Doctors’ fees during routine check-ups as a part of post-natal care
        • Expenses related to purchase of necessary vitamins and supplements for the mother or the new born
    • Q. When is the best time to purchase a maternity health insurance policy?
      • It is essential for you to purchase a maternity health insurance plan way before you are pregnant or planning a baby. This is because such plans are generally accompanied by a waiting period that varies between 9 months and 6 years. It implies that you would be eligible for availing the benefits of the plan only after the completion of the waiting period that is applicable to the maternity health insurance policy that you have purchased. Therefore, you may be able to buy a maternity insurance, but not be able to avail the benefits of the plan due to the waiting period.

    • Q. What is the premium I have to pay for a maternity health insurance plan?
      • The premium that you have to pay on your maternity health insurance plan depends on certain parameters like the sum insured opted by you, your age, location, etc. The premium that you will be eligible for varies between insurance companies.

    • Q. What is the waiting period for maternity health insurance policies
      • The waiting period usually varies between 9 months and 6 years, and differs from one insurance company to the other. You can avail the benefits of your maternity health insurance plan only after the completion of the waiting period, as mentioned in your policy document.

    • Q. I will not be covered by my maternity insurance because I had purchased it during my first pregnancy. Will I be able to avail the benefits during a second pregnancy?
      • In your case, your on-going pregnancy will not be covered because you are yet to complete your waiting period. Your second pregnancy will be covered by your maternity health insurance plan, only if you have served the waiting period by that time.

    • Q. What is the waiting period for maternity insurance policy?
      • Maternity health insurance plans are accompanied by a waiting period that varies between insurance companies, and usually ranges from 9 months to 6 years. You can avail the benefits of your maternity health insurance plans only after the completion of consecutive policy years.

    • Q. Does health insurance cover pregnancy?
      • Yes, there are certain health insurance policies that cover maternity-related expenses.

    • Q. Which health insurance plans cover maternity?
      • The following are some leading health insurance plans that cover maternity-related expenses:

        • Religare Joy Today/Tomorrow Plan: This maternity insurance plan offers the flexibility of selecting between two sum insured options – Rs.3 lakh and Rs.5 lakh. This is accompanied by a waiting period of 9 months/2 years.
        • HDFC ERGO Health Suraksha Gold: The sum insured options applicable is based on the type of the plan - individual or family floater. A waiting period of 4 years is applicable on this maternity health insurance policy.
        • Star Wedding Gift Insurance Plan: This maternity health insurance plan is offered on the basis of a floater with a policy term of 1 or 2 years.
    • Q. Does maternity insurance plan cover caesarean delivery?
      • Yes, maternity health insurance policies cover expenses incurred for delivery of a new born, irrespective of whether it is a C-section or a normal delivery.

    • Q. Who Can Purchase Maternity Health Insurance?
      • Anyone who fits the eligibility criteria laid down by an insurance company is eligible for buying a maternity health insurance plan of that company.

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