Things to know about Maternity Health Insurance


Things to know about Maternity Health Insurance

The Joy of Motherhood

Motherhood is bliss and comes with its own share of responsibilities as you move to a new chapter of life. It is very important to ensure that the mother and child can access the best of healthcare and for that, it is a sensible idea to invest in the best health insurance plan for maternity care. Maternity health insurance offers coverage for the mother and the new-born and takes care of several medical expenditures. However, before you go looking for the right coverage for your pregnancy, there are a few things that you need to be aware of:

Rider Vs. Separate Plan

Maternity coverage may be included in your existing family health plan or you may opt for a separate policy for the same. Most maternity covers that are included in health insurance come with a waiting period that may even go up to 3 to 6 years. On the other hand, if you opt for a separate policy, you may be able to avail a waiting period of as less as 9 months. This makes an individual plan a much better option.

Coverage Offered

The degree of coverage offered by the maternity plan might vary but the basic coverage remains the same. The plan you choose should offer you the following in terms of coverage:

  • Pre and post hospitalisation expenses: This covers expenses incurred before hospitalisation and post-delivery, for taking care of the mother and new-born.
  • Pre and post-natal expenses: These cover childcare expenses, including consultation fees or medication costs.
  • Delivery charges and in-patient hospitalisation: This includes the charges incurred for delivery. The total sum insured may vary.
  • New-born coverage: This includes expenses for the new-born from the since childbirth.

When should you buy Maternity Health Insurance?

As mentioned before, some maternity health plans have a long waiting period especially if they are included in your existing health insurance plan. If this is the route you choose, it would be a good idea to invest in the cover as soon as you get married so that the waiting period is over by the time you decide to conceive. However, a smarter way would be to opt for a standalone policy that has a lesser waiting period, ranging from 9 months to 2 years.

Exclusions in the Policy

Like the inclusions and coverage of a maternity plan, it is equally important to pay attention to the exclusions. While the exact list of exclusions will vary from one plan to the other, some of the most common exclusions are:

  • Pre-existing ailments or injuries diagnosed within 48 months before getting your first maternity plan
  • Any disease you may contract during the first 30 days of the policy. This does not include conditions caused by an accident
  • Non-allopathic treatment courses
  • Self-inflicted injury
  • Any condition that can be attributed to alcohol or drugs
  • Infertility and in-vitro fertilization related expenses

Premium Hikes

The premium you are required to pay for a maternity health insurance plan increases with age. Hence, it is always a good idea to have your insurance policy in place in time.

Care Health Insurance offers JOY - a modern maternity insurance plan with the baby cover that will help you address all your uncertainties about this new chapter in your life. JOY is designed to take care of your maternity health insurance needs not just today but tomorrow as well.

Underwriting of claims for maternity subject to policy terms and conditions.

View Our Editorial Policy


+91 verified
Please enter a valid mobile number
Please enter a valid Full Name
I have read and agree to the Terms & Conditions
Please select terms and conditions
Get updates on WhatsApp

Articles By Category

Health Insurance Articles
Family Family
Senior Citizens Senior Citizens
Maternity Maternity
Surgery Surgery
Heart Heart
Tax & Investments Tax & Investments
Lifestyle Lifestyle
Awareness Days Awareness Days
Child Care Child Care
Money Saving Tips Money Saving Tips
Festive Days Festive Days
Covid-19 Covid-19
Travel Insurance Articles
International International
Student Student
Travel Tips Travel Tips
Visa Visa
Passport Passport
Insurance Guide
Health Health
Travel Travel
Reach out to us
Whatsapp Chat 8860402452



Chat with Us

Please Select Chat Option ×
Buy New policy To explore and buy a new policy
Existing policy enquiry for assistance with your existing policy