Maternity health insurance, maternity insurance, or health
insurance with maternity cover refers to the coverage provided to the expecting mother and her newborn. As
bringing new life into the world is a magical experience, the mother should not be constantly worrying about the
expenses incurred. Whether it is the hospitalization expenses or the expenses incurred after the birth of her child,
a maternity insurance plan offers the best of the financial support she needs during such a crucial time.
Maternity insurance is one of the types of health
insurance and it enables the policyholder to be in control of their finances while also safeguarding their
future. The maternity benefits of having an insurance policy are as follows.
With the ever-increasing medical expenses in the country, it is difficult to pay for every single expense
out-of-pocket every single time while saving enough for future expenses. With a maternity insurance policy, the
policyholder gets financial security as a range of expenses is covered as detailed in the insurance plan. These
include hospitalization charges, pre-natal, and post-natal expenses, and so on. With an insurance plan in place, the
costs are easier to manage.
Most maternity insurance policies in India provide cover for a month before the policyholder is due to give birth.
During these times, the expenses incurred include hospitalization fees, medicines, and other charges that can add up
quickly. With a cover in place, the financial burden is much lesser as the insurance provider covers all these costs
even before the child is delivered safely to the hospital.
Every pregnancy journey is unique and so are the associated complications that may arise during childbirth. These
complications may come up after the birth of the child as well. Maternity insurance covers these unexpected expenses
that are incurred at any stage ensuring the new mother is safe and so is the baby.
All children do not have smooth sailing when they enter the world. Some children may have complications from the
moment they are born. Health insurance with maternity cover covers the expenses of the infant up to a certain
period. This period is generally up to 90 days. In case the child is born with a congenital disease, the insurer
pays the associated expenses.
Maternity cover insurance covers the expenses of a normal or a C-section delivery. While most women prefer natural
birth, not all women can give birth that way. This is why insurance providers cover the expenses incurred in either
type of delivery so that all costs are taken care of and the new mother and child are safe.
Maternity insurance is a type of health
insurance that focused on the well-being of the new mother and the child. It includes a vast range of expenses
that are associated with childbirth. The expenses that come along with pregnancy and childbirth are quite high and
with medical inflation at an all-time high, it becomes difficult to manage it all with ease. With pregnancy health
insurance in place, the policyholder can easily cover a range of vital expenses that will occur.
The following are the inclusions of the maternity health insurance policy.
Maternity insurance does not apply to everybody such as single people who wish to remain single forever with no
plans of ever getting married. It is also not for people who wish to get married but choose not to have any children
either due to their choice or due to some health concern. Buying health insurance with maternity cover is best for
the following people.
You should think about health insurance for pregnancy once you know you are going to be married within a year or
right after you get married. If you want to expand your family in the coming two years, it is best to purchase a
maternity insurance policy. As there is a waiting period in insurance for pregnancy policies. It is best to get
maternity coverage sooner rather than later to avail yourself of all the benefits that come with the plan.
When the time comes to raise a maternity claim, some documents are required to be filed and submitted to the
insurance provider. Note that the type and number of documents required can differ from insurer to insurer as some
may need more documents while others may require fewer documents than the ones mentioned below. The following are
some such documents that must be submitted.
The maternity insurance plan is already an add-on to a normal health insurance plan or it can be purchased as a
standalone policy. Even though it is generally more expensive because a claim is more likely to be made when
compared to health insurance, it is recommended for everyone who is planning to have a family soon. All costs are
not included in the maternity insurance plan and so it is best to purchase the most comprehensive insurance policy
for maximum coverage.
Maternity insurance coverage does not include everything and has its own set of limitations. For example, maternity
policies provide financial aid up to a certain point, and in some cases that are not sufficient in the case of
complications during childbirth and so on. If the policyholder had a complicated birth due to which extra costs were
incurred, the insured person will need to pay those out-of-pocket.
The following are some of the common exclusions of health insurance with maternity cover.
Usually, the third child is excluded from being covered in maternity insurance, unless specified otherwise. Any
maternity claim filed during the waiting period, will not be liable for expense coverage. It is a must for the
waiting period to be over for the claims to be accepted by the insurance provider. When purchasing a maternity
insurance policy, make sure you read the pregnancy insurance coverage and the exclusions.
The policyholder can avail of tax benefits on purchasing maternity cover insurance. It is a part of health
insurance. The insured person can get an exemption of up to Rs. 25,000 (during a financial year) according to the
Income Tax Act, 1961 on purchasing of a pregnancy health insurance plan. The specific income tax deductions are
specified in Section 80D. The insured person can also get Mediclaim for pregnancy deductions on the income tax.
Read More: Insurance and Taxes
The income tax deduction is calculated based on the premium paid for the health insurance that covers pregnancy.
There is a limit on how much you can save on income tax based on the insurance policies purchased. The total income
tax deduction can be higher if the policyholder purchases a health insurance plan for their parents and other
dependents. As the income tax rules change constantly it is best to refer to the latest income tax rules.
Many maternity insurance plans exist but you want to choose one that is the best for you. Here is a list of factors
to consider before purchasing a policy.
Before purchasing a maternity insurance plan, ensure that you are eligible for it. Some insurance providers have
plans that enable women who are up to 45 years old to purchase the maternity policy while others only cover women
who are 35 years old or below.
Every maternity plan comes with a waiting period and the maternity claim can be made only after the waiting period.
Some insurance providers offer a waiting period of 9 months while for others it can be a year or more.
The sum insured and the expenses covered must be checked to ensure you have the best coverage needed. You may need
to spend from your pocket if certain expenses are not included in the maternity insurance.
It is advisable to take health insurance with maternity cover to cover the sky-high maternity costs in India.
Having maternity coverage saves you from spending out-of-pocket, enables you to save on tax, and ensures you get
timely treatment. It also covers the infant up to a period thereby ensuring the best for the new mother and baby.
When purchasing this type of insurance, make sure you know the waiting period, sum insured, eligibility, features,
No, because in India every health insurance with maternity cover comes with a waiting period. While some
policies have short waiting periods, others have much longer waiting periods.
Getting a policy for pregnancy insurance after pregnant is not possible because the pregnancy is considered a
pre-existing condition. If you need a pregnancy insurance policy, it must be purchased well in advance.
When purchasing pregnancy cover health insurance, make sure you consider the sum insured, maternity benefits,
waiting period, and cashless settlement option.
In India, you will find that most maternity health insurance policies come with a cover for a maximum of two
children. But some maternity plans do come with a cover for the third child.
An insurance policy for pregnancy can be purchased as an add-on to your existing health insurance plan. You can
buy it from reputable insurance providers such as Policy Bazaar.
The cost of maternity expenses including pre and post natal expenses can easily range from a few thousand to a
You can claim your ESI amount for maternity benefit by going to the ESIC Online Maternity Benefit Claim Portal
which makes claiming maternity benefit simpler, faster, and easier.
Generally, the insurance that covers pregnancy will start from around Rs. 15,000 and go up to a lakh or more
depending on the specific health insurance with maternity cover plan chosen.
Yes, a newborn baby is covered under the pregnancy insurance plan up to 90 days after s/he is born. Once these
90 days are over, the policyholder must ensure the baby is listed in the base plan.
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