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Maternity health insurance is a maternity insurance policy that provides maternity coverage for costs related to normal and caesarean deliveries. Such a policy is like an additional rider to a   regular health insurance policy undertaken by the insured.

What is Maternity Health Insurance?

  • Maternity Health Insurance covers costs related to delivery expenses at the time of childbirth.
  • It’s available as both a standalone policy or an add-on cover to regular health insurance plans.
  • Premiums are higher when compared to regular health insurance policies.

What is covered under Maternity Health Insurance?

  • Covers pre and post hospitalisation expenses 
  • 30 days pre-hospitalisation expenses covered
  • Post hospitalisation expenses till 60 days from the date of discharge
  • Normal and caesarean deliveries
  • Coverage available as per plan undertaken for doctor’s consultation, surgeon’s fees, room rent, OT charge, nursing costs and anaesthetists fees
  • Expenses for treatment of newborn baby, including vaccination expenses 
  • Daycare and ambulance expenses
  • Cashless treatment in affiliated hospital networks

Key Points to Know about Maternity Health Insurance Plans

  • Premium of maternity health insurance is higher when compared to other health insurance plans due to certainty of event for which policy is taken
  • Maternity related expenses are certain to be claimed
  • Cost benefit analysis should be undertaken before taking maternity health insurance plan
  • Though normally a standalone plan, still group insurance plans provided by employers do cover maternity insurance coverage
  • Waiting period of 9 months – 36 months 

Points to Remember: 

Maternity health insurance policy is a comprehensive policy which helps you cover your maternity expenses

Infertility treatment expenses, congenital diseases and pre-existing diseases before pregnancy are not covered under maternity health insurance policy

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