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Best Maternity Insurance Plan in India

A new beginning deserves thoughtful planning. Maternity insurance helps you stay financially prepared for eligible medical expenses during pregnancy and childbirth while keeping your hard-earned savings fully protected, subject to the coverage and limits of the selected plan.

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Written by:

Jagriti Chakraborty

Reviewed by:

Munmi Sharma

Updated on:

16 Sep 2026

Reviewed on:

16 Sep 2026

Summary

Maternity health insurance helps you manage medical costs related to pregnancy, childbirth, prenatal and postnatal care. Depending on your plan, coverage may include normal delivery and C-section, pre- and post-hospitalisation costs, and newborn care. Maternity plans usually have a waiting period, so purchasing insurance early can help you prepare financially and plan for raising a family.

Maternity coverage comes with a specific waiting period, so consider purchasing a policy well before you plan a pregnancy.
A maternity plan can help cover hospital costs for both normal delivery and C-section surgery.
Eligible expenses related to prenatal and postnatal care may be covered as specified in the policy.
Maternity plans provide newborn coverage for a specific period after birth.
Compare waiting periods, maternity benefits, newborn coverage and other policy conditions based on your needs.

What is Maternity Insurance and How Does it Work?

A maternity insurance plan is a specialised health insurance cover designed to help manage medical expenses related to pregnancy and childbirth. Subject to policy terms, limits, and waiting periods, coverage can encompass pre- and post-natal care, normal and C-section deliveries, hospitalisation, and eligible medical expenses for newborns, depending on the chosen policy.

Here’s how it generally works:

Choose Maternity Coverage: Choose a policy based on key parameters like maternity benefit limit, delivery coverage, newborn benefits, waiting period, and other benefits.
Complete the Waiting Period: Maternity benefits usually become available only after completing the applicable waiting period. Hence, it is crucial to secure coverage well in advance of planning a pregnancy.
Receive Eligible Maternity Care: Once eligible, the policy may cover specified expenses for prenatal and postnatal care, normal or C-section delivery, hospitalisation, and newborn care, subject to the selected plan.
File a Maternity Claim: Eligible expenses can generally be claimed through cashless hospitalisation at a network hospital or through the reimbursement process, subject to claim requirements.
Claim Up to the Maternity Limit: Payouts for covered claims are paid according to the applicable maternity benefit limit or sub-limit rather than necessarily the entire Sum Insured.

How Much Does Pregnancy and Delivery Cost in India?

Maternity-related costs in India can vary significantly depending on the city, hospital, type of delivery, medical requirements, and also chosen parenthood journey. The following table outlines estimated cost ranges across Tier-1, Tier-2, and Tier-3 cities.

Maternity Expense	Tier-1 Cities	Tier-2 Cities	Tier-3 Cities
Normal Delivery	₹60,000–₹2,00,000	₹30,000–₹80,000	₹20,000–₹60,000
C-Section Delivery	₹1,00,000–₹3,00,000	₹70,000–₹1,50,000	₹40,000–₹1,00,000
Pre & Post-Natal Care	₹20,000–₹40,000	₹15,000–₹30,000	₹10,000–₹25,000
NICU Care (Per Day)	₹10,000–₹25,000	₹7,000–₹20,000	₹5,000–₹15,000
Oocyte-Related Care	Varies by treatment and facility	Varies by treatment and facility	Varies by treatment and facility
Surrogacy-Related Care	Varies by treatment and facility	Varies by treatment and facility	Varies by treatment and facility

Find the Right Maternity Health Insurance Plan for You

Prepare for parenthood with a maternity health insurance plan that financially protects against expenses related to pregnancy and childbirth. Explore our coverage for delivery, hospitalisation, and newborn care, subject to policy terms.

Ultimate Joy
Joy
Care Classic

Comprehensive Maternity and Health Protection

Up to ₹1 lakh for surrogate mother's medical complications.
Up to ₹2.5 lakh for CARA adoption expenses.
Earn up to 100% cumulative bonus every policy year.
Up to ₹1 lakh for donor-related medical complications.
Stay in a Single Private AC Room without standard room rent limits.
Restore 100% of your Sum Insured every time it is exhausted.
Get worldwide coverage for eligible medical treatments, subject to policy terms and conditions.

Cover Amount: ₹5 Lakh
Starting At: ₹13/day¹

Compare Maternity Insurance Plans and Coverage

The best maternity insurance plans offer comprehensive coverage for hospitalisation, delivery, and newborn care. Here’s a detailed breakdown of plan features that may align with your parenthood plans.

Details	Joy Today		Joy Tomorrow		Ultimate Joy
Sum insured	₹3 Lakh	₹5 Lakh	₹5 Lakh	₹5 Lakh	₹5 Lakh to ₹1 Crore
Pre-Hospitalisation	30 days	30 days	30 days	30 days	60 days
Post-Hospitalisation	60 days	60 days	60 days	60 days	180 days
Day Care Treatment	Yes	Yes	Yes	Yes	All eligible day-care procedures up to SI
In-Patient Hospitalisation	Up to the sum insured	Up to the sum insured	Up to the sum insured	Up to the sum insured	Up to SI
Room Rent	Single private room with A/C	Single private room with A/C	Single private room with A/C	Single private room with A/C	Single Private AC Room through Room Rent Modification
ICU Charges	No limit	No limit	No limit	No limit	As per policy terms
Ambulance Cover	Up to ₹1000 per claim	Up to ₹1000 per claim	Up to ₹1000 per claim	Up to ₹1000 per claim	Up to SI for eligible road, air, train or boat ambulance expenses
Maternity Benefits (incl. Pre & post-natal)	₹35,000	₹50,000	₹35,000	₹50,000	Mother & Newborn Care Modification offers options from 1% of SI (up to ₹1 lakh) to 5% of SI (up to ₹3 lakh)
Newborn Baby Cover	₹30,000	₹50,000	₹30,000	₹50,000	Eligible newborn expenses covered within the applicable Mother & Newborn Care benefit
No Claim Bonanza	Optional	Optional	Optional	Optional	-
Newborn Birth Defects Cover	Not available	Not available	₹50,000	₹50,000	As per policy terms
Maternity Waiting Period	9 Months	9 Months	24 Months	24 Months	12 months*
Cumulative Bonus	As per policy terms	As per policy terms	As per policy terms	As per policy terms	50% increase in SI for each eligible claim-free policy year, up to 500% of Base SI
Automatic Recharge	As per policy terms	As per policy terms	As per policy terms	As per policy terms	Unlimited Automatic Recharge upon exhaustion of SI, subject to policy terms
Infinity Bonus	Not applicable	Not applicable	Not applicable	Not applicable	Optional; 100% of Base SI every year on continuous renewal, irrespective of claims
Oocyte Care	Not applicable	Not applicable	Not applicable	Not applicable	Optional; up to ₹1 lakh for eligible hospitalisation due to complications from donor oocyte retrieval
Surrogacy Care	Not applicable	Not applicable	Not applicable	Not applicable	Optional; up to ₹1 lakh for eligible pregnancy-related complications and post-natal hospitalisation of the surrogate mother
Child Adoption Benefit	Not applicable	Not applicable	Not applicable	Not applicable	Optional; eligible adoption expenses up to ₹50,000 and medical tests for the adopted child up to ₹10,000
Spouse Care	Not applicable	Not applicable	Not applicable	Not applicable	Available as an optional benefit, subject to applicable conditions
PED Wait Period Modification	As per policy terms	As per policy terms	As per policy terms	As per policy terms	Optional; PED waiting period can be reduced to 1 year
Unlimited E-consultations	As per policy terms	As per policy terms	As per policy terms	As per policy terms	Available for general physician consultations
Ayush Treatment	As per policy terms	As per policy terms	As per policy terms	As per policy terms	Covered as per policy terms
Domiciliary Treatment	As per policy terms	As per policy terms	As per policy terms	As per policy terms	Covered for eligible medically necessary home treatment

Does Health Insurance Offer the Same Benefits as Maternity Insurance?

No. Standard health insurance and maternity insurance may differ in their coverage scope, waiting periods, and pregnancy-related benefits. Standard health policies focus on eligible hospitalisation for illnesses or injuries, whereas Maternity Health Insurance explicitly addresses medical expenses related to pregnancy, delivery, and newborn care.

Coverage Scope

Maternity insurance may cover eligible prenatal and postnatal expenses, normal and C-section delivery, and newborn care. Standard health insurance may not cover these expenses unless maternity benefits are specifically included.

Waiting Period

Standard health insurance covers general conditions, but maternity benefits require a waiting period. Other treatments under an individual health insurance policy have separate waiting timeframes.

Maternity Benefit Availability

Maternity coverage may be built into certain health insurance plans or available through an optional benefit/add-on, depending on the product.

Newborn Baby Coverage

Subject to applicable limits and policy conditions, eligible maternity plans can provide coverage for a newborn's medical costs starting from birth over a specified duration.

Delivery Coverage

Maternity benefits may specifically cover eligible expenses associated with both normal and C-section deliveries, whereas these expenses may not be covered by standard health insurance.

Additional Parenthood Benefits

Selected maternity plans, such as Ultimate Joy, may offer optional benefits for Oocyte Care, Surrogacy Care, Child Adoption, and Mother & Newborn Care, which are typically not included in standard health insurance plans.

Tip: Before choosing a plan, check whether maternity coverage is built-in or optional, along with its waiting period, maternity limit, newborn benefits, and exclusions.

When Should You Buy Maternity Insurance?

The best time to purchase a maternity insurance policy is 2 to 3 years before planning a pregnancy, since most plans have a 9 to 24-month waiting period. Buying early allows you to complete the waiting period and claim benefits when necessary.

Waiting Period Matters: Maternity benefits become available only after the waiting period, making early purchase crucial.
Best Time to Buy: Couples who have recently married or are planning to start a family soon should consider investing in a plan without delay.
Planning for a Second Child: If you’re planning to have another child, maintaining an active policy ensures continuous coverage and benefits without gaps for future maternity care.

Special Note: Some maternity insurance plans address the waiting-period concern through specific optional benefits. For instance, Ultimate Joy’s Mother & Newborn Care Modification comes with a 12-month waiting period, subject to the selected option and applicable policy terms.

Why is Maternity Health Insurance Important?

Securing maternity or pregnancy insurance protects your savings from medical costs, helping you stay financially prepared for parenthood amid rising prenatal, delivery, and newborn care expenses.

Protects Your Savings from Maternity Costs

Maternity insurance reduces out-of-pocket costs by covering eligible pregnancy and delivery expenses.

Covers Normal & C-Section Delivery

Get coverage for eligible hospitalisation expenses associated with both normal and Caesarean deliveries.

Covers Pre & Post-Natal Expenses

Provides coverage for eligible medical expenses incurred before and after childbirth.

Provides Newborn Baby Coverage

Protect your newborn with coverage for eligible medical expenses from birth for the period specified under your policy.

Helps You Plan Parenthood Early

Purchasing maternity insurance early allows you to serve the required waiting period before claiming benefits.

Offers Cashless Hospitalisation

Cashless settlement at network hospitals allows you to focus on welcoming your baby without financial worry.

Who Should Buy a Maternity Insurance Plan?

A maternity insurance plan can be suitable for:

Young Couples: Planning a family to prepare financially for future pregnancy and childbirth costs.
Early Planners: Looking to complete the required waiting period before claiming benefits.
Newborn Coverage Seekers: Wishing to assist with post-birth medical expenses.
Couples Planning Adoption: Seeking coverage for eligible adoption and related medical expenses*.
Couples Opting for Surrogacy: Seeking coverage for eligible pregnancy and post-partum complications*.
Oocyte Care Considerations: Seeking coverage for eligible complications related to oocyte retrieval*.

Note: Those marked with an asterisk (*) are available under specific plans only. Please read the policy terms and conditions carefully before purchasing.

Plan Your Pregnancy, Not the Guesswork!

Use Our Pregnancy Calculator to Estimate

Your Due Date.

How Do Maternity Sum Insured and Coverage Limits Work?

Maternity expenses refer to eligible medical costs associated with pregnancy and childbirth that are covered under the health insurance policy. Depending on the plan, these may include normal or C-section delivery expenses, prenatal and postnatal expenses, and other specified maternity-related costs.

Even if your health insurance policy provides a higher overall Sum Insured, maternity benefits often come with a distinct maternity coverage cap or sub-limit. Specific healthcare costs, including delivery fees or pre- and post-natal care, can also be subject to individual expense limits. The final claim payout is subject to both the maximum maternity limit and any expense-specific sub-caps specified in your policy terms.

Within Limit Scenario: If your policy has a ₹10 lakh overall Sum Insured with a ₹1 lakh maternity limit, and eligible delivery expenses are ₹70,000 plus ₹20,000 for pre- and post-natal care (total ₹90,000), the full ₹90,000 may be approved as it falls within the cap.
Exceeding Limit Scenario: If delivery expenses are ₹85,000 and pre- and post-natal expenses are ₹30,000 (total ₹1.15 lakh), the maximum payout is capped at the ₹1 lakh maternity limit. The remaining ₹15,000 must be paid out of pocket, subject to sub-limits, waiting periods, and exclusions.

Key Takeaway: Your overall policy Sum Insured, maternity coverage limit, and expense-specific sub-limits are not necessarily the same. Considering all three helps you understand how much maternity-related expenditure may actually be covered.

How Much Maternity Insurance Coverage Do You Need?

The right Maternity Health Insurance coverage depends on your pregnancy and parenthood needs. Also, city, preferred hospital, type of delivery, newborn care requirements, and overall healthcare needs. When selecting your Sum Insured, keep the following factors in mind:

Healthcare/Parenthood Need	Indicative Cost	Recommended Sum Insured
Normal Delivery	₹30,000–₹2,00,000, depending on city and hospital	₹5 lakh–₹15 lakh
C-Section Delivery	₹70,000–₹2,50,000, depending on hospital and medical needs	₹10 lakh–₹25 lakh
Pre & Post-Natal + Newborn Care	Consider consultations, diagnostics, medicines and newborn healthcare	₹15 lakh–₹25 lakh
NICU & Higher Medical Needs	NICU may cost approximately ₹5,000–₹25,000 per day and can substantially increase expenses	₹25 lakh–₹50 lakh
ART / Fertility-Related Needs	Treatment costs vary; review ART-specific limits and also waiting periods	₹25 lakh–₹50 lakh
Oocyte / Surrogacy-Related Care	Medical and hospitalisation requirements may vary	₹25 lakh–₹50 lakh
Higher Overall / Worldwide Healthcare Protection	Consider broader family healthcare requirements and treatment outside India, where covered	₹50 lakh–₹1 crore

Benefits of Maternity Health Insurance Plans

Health insurance for pregnancy helps manage eligible expenses related to pregnancy, childbirth, and newborn care.

Financial Protection

Covers eligible pregnancy and childbirth costs, protecting savings.

Maternity Complications Cover

Provides coverage for eligible hospitalisation costs resulting from complications associated with pregnancy.

Pre & Post-Natal Cover

Covers eligible medical expenses before and after childbirth, as per policy terms.

Newborn Baby Cover

Provides coverage for eligible newborn medical expenses for a specified period.

Adoption Benefits

Selected plans may cover eligible adoption charges and specified medical tests for the child.

Additional Parenthood Benefits

Selected plans may offer benefits for adoption, surrogacy care, and oocyte care.

Note: These benefits are available under specific plans only. Please read the policy terms and conditions carefully before purchasing.

Key Features of Our Maternity Insurance Plans

Choosing the right Maternity Mediclaim Policy or Pregnancy Health Insurance goes beyond delivery expenses. The right coverage helps manage eligible pregnancy, delivery, and newborn expenses with confidence.

Multiple Sum Insured Options: Select a Maternity Mediclaim Policy with coverage suited to your healthcare needs and budget.
Cashless Network Access: Receive cashless medical care across empanelled healthcare providers, as per policy terms.
Worldwide Coverage*: Specific Pregnancy Health Insurance policies like Ultimate Joy offer international coverage for both the mother and newborn.
Wellness Benefits*: Access applicable wellness benefits and discounts available with selected maternity insurance plans.
E-Consultation Facility*: Connect online with general physicians and specialists for convenient medical consultations.
Easy Claim Process: Raise and manage eligible claims through a simple, hassle-free claim settlement process.

Note: Compare the key features of our Maternity Mediclaim Policy options tailored to your maternity and newborn healthcare needs.

What Is Covered and Not Covered Under Maternity Health Insurance?

Covered
Not-Covered

Maternity insurance covers essential medical expenses during pregnancy and childbirth—offering vital financial security as delivery costs rise in India—though understanding its common exclusions is key to avoiding claim denials and planning effectively.

In-patient Hospitalisation Expenses

Covers costs related to hospital stays of 24 hours or more, including room charges, nursing fees, ICU costs, doctor’s fees, anaesthesia, blood, oxygen, and operating theatre charges.

Day Care Treatment

Provides coverage for medical procedures that involve less than 24 hours of hospitalisation, granting access to advanced treatments without the need for extended stays.

Pre-Hospitalisation Expenses (Up to 30 Days)

Covers medical expenses before hospitalisation, including diagnostic tests, consultations, and medications related to childbirth.

Post-Hospitalisation Expenses (Up to 60 Days)

Covers follow-up treatments, doctor visits, medications, and tests needed after discharge to ensure full recovery.

Normal Delivery Expenses

Covers all expenses related to natural childbirth, such as labour room fees and medical support.

C-Section Delivery Expenses

Includes costs associated with surgical delivery, such as surgeon’s fees, operation theatre charges, and anaesthesia.

Newborn Birth Defects

Offers a lump sum payment if the newborn is diagnosed with Down syndrome or cerebral palsy.

Ambulance Charges

Covers emergency ambulance costs to guarantee prompt hospital admission when needed.

Health Services

Access a doctor via chat, get health tips, reminders, and store medical records in the Digital Locker through the Health Portal.

Mother & Newborn Baby Care

Covers pre- and post-natal care, newborn expenses, and maternity for insured individuals aged 18–45.

Room Rent

All room categories are covered during hospitalisation, subject to policy terms.

ICU Charges

ICU expenses are covered with no specified limit, subject to the applicable Sum Insured.

Pre-existing Diseases Affecting Pregnancy

Complications arising from Pre-existing medical conditions might not be covered until the waiting period ends.

Fertility Treatments

Expenses for treatments such as IVF, IUI, or other assisted reproductive procedures are generally not covered unless explicitly stated.

Diagnostic Fees

Routine diagnostic tests or consultations not directly linked to hospitalisation may not be included in standard maternity plans.

Expenses Before the Waiting Period

Any maternity-related expenses incurred before the waiting period is completed are not eligible for reimbursement.

Congenital Diseases

Certain congenital conditions or birth defects may not be covered unless explicitly specified in the policy.

Disclaimer: Standard Maternity insurance policies in India often do not cover IVF, as it is considered an elective procedure. Certain assisted reproductive treatments may be included under plans such as Care Classic, a zone-based health insurance policy. However, coverage depends on the specific terms, conditions, and policy limits. Policyholders should review the coverage details thoroughly before purchasing.

Optional Benefits Available with Maternity Insurance

Optional benefits are additional covers that you can choose with your maternity insurance policy for enhanced protection tailored to your family planning and healthcare needs. Here are the optional benefits available:

Oocyte Care: Provides coverage of up to ₹1 lakh for hospitalisation costs if complications occur during an oocyte donor's retrieval process.
Surrogacy Care: Covers hospitalisation expenses up to ₹1 lakh for pregnancy and postpartum complications for surrogate mothers.
Child Adoption: Covers up to ₹50,000 for eligible child adoption expenses.
Room Rent Modification: Allows selection of a Single Private Room for eligible hospital stays.
Infinity Bonus: Adds 100% of the Base Sum Insured every year on continuous renewal, regardless of claims made, without any cap on accumulation or reduction following a claim.
Spouse Care: If your spouse is added within 180 days of marriage, the existing policy's waiting period and cumulative bonus will carry over seamlessly for the spouse.

Note: Get greater flexibility with optional benefits under Unlimited Joy, designed to extend your maternity insurance coverage beyond the standard policy benefits, subject to applicable terms and conditions.

Does Maternity Insurance Cover IVF and ART Treatment?

Maternity insurance typically doesn't automatically cover IVF (In Vitro Fertilisation). Standard maternity insurance generally takes care of expenses associated with pregnancy, childbirth, and postnatal care. Coverage for In Vitro Fertilisation (IVF) and other Assisted Reproductive Treatments (ART) is applicable only when explicitly included in the policy structure or opted for as an add-on rider.

Care Health Insurance provides ART coverage on certain plans:

Ultimate Joy: Optional add-on that offers up to ₹2 lakh for eligible ART expenses after a 2-year waiting period, subject to policy terms and limits.
Care Classic: Base Plan benefit that covers up to ₹2 lakh annually for those with a Sum Insured above ₹5 lakh, available once every 3 years, subject to policy conditions.

Note: ART/IVF coverage depends on the Sum Insured, waiting periods, coverage limits, frequency restrictions, eligibility, exclusions, and other policy terms and conditions.

Who is Eligible for Maternity Insurance?

Maternity insurance plans are available to individuals and families who satisfy the specific eligibility criteria specified in the policy terms and conditions. Please review the standard eligibility requirements below:

Eligibility Criteria	Details
Age of Proposer	18 years or above
Minimum Entry Age	Individual: 18 years; Floater: 91 days, with at least one insured member aged 18 years or above
Maximum Entry Age	Adult: Lifelong; Child: 24 years
Exit Age	Adult: Lifelong; Child: 25 years
Cover Type	Individual: Up to 6 persons; Floater: 1A1C, 1A2C, 2A, 2A1C or 2A2C
Policy Tenure	1, 2 or 3 years

How to Choose the Best Maternity Insurance Plan?

Choosing the best Maternity Health Insurance policy requires looking beyond the premium. Before choosing a policy, consider your planned timeline for starting a family, expected maternity expenses, and essential newborn healthcare needs.

Check the Waiting Period: Compare maternity waiting periods and choose a policy that fits your timeline for expanding your family.
Review Maternity Coverage Limits: Check the maternity-specific benefit limit or sub-limit, because it could differ from the overall sum insured.
Check Normal & C-Section Delivery Cover: Consider whether eligible expenses for both normal and C-section deliveries are covered within the applicable maternity limit.
Consider Pre & Post-Natal Coverage: Review the coverage parameters and associated limits for eligible medical costs incurred before and after delivery.
Evaluate Newborn Baby Coverage: Check when newborn coverage begins, its duration, and what medical costs it covers.
Review Room Rent & Hospitalisation Benefits: Check room eligibility and other hospitalisation-related conditions that can directly impact your out-of-pocket medical expenses.
Check the Cashless Hospital Network: Look for network hospitals near your preferred location to access cashless hospitalisation for covered expenses.
Look for ART/IVF Benefits: If fertility treatment is relevant to your plans, check whether ART/IVF is covered as a base benefit or optional add-on, in addition to its applicable waiting timeframe and coverage caps.
Consider Additional Parenthood Benefits: Depending on your needs, look for benefits related to surrogacy, oocyte care, adoption, or enhanced mother and newborn coverage.
Read the Exclusions & Policy Terms: Carefully assess waiting periods, exclusions, sub-limits, eligibility criteria, and claim requirements prior to purchasing your policy.

Tip: Choosing the right maternity insurance policy means finding a plan that fits your family planning timeline, covers mother and baby care, and suits your expected budget.

What Factors Affect Maternity Insurance Premiums?

You may notice that maternity health insurance premiums can differ from one individual or plan to another. Premiums vary based on factors related to the insured, coverage chosen, and policy features, including:

Age of the Insured

Age can influence the maternity insurance premium because health risks linked to pregnancy often rise as one gets older. As a result, premium rates may differ according to the individual's age when buying the coverage.

Waiting Period

Maternity insurance plans generally come with a specified waiting period before maternity benefits can be claimed. Policies with shorter waiting periods often require higher premiums than those with longer waiting periods.

Sum Insured and Coverage Limits

The Sum Insured and maternity coverage limit you choose can affect the premium. Higher coverage increases financial security but can raise premiums.

Pre-existing Medical Conditions

The insured person's existing medical conditions and medical history may be considered while assessing the policy. Existing health conditions and medical history can impact policy premiums, coverage, or terms.

Coverage and Optional Benefits

The extent of coverage can also influence the premium. Benefits such as pre- and post-natal care, newborn coverage, and add-ons can increase the overall policy cost.

Worldwide Coverage

If the plan offers an option to extend eligible maternity coverage outside India, choosing Worldwide Coverage may affect the premium. Cost varies based on geographic scope, coverage limits, and worldwide benefit terms.

Co-payment

If the selected maternity insurance plan includes a co-payment option, the insured may need to bear a specified portion of eligible expenses. The chosen co-payment model can affect your overall policy premium.

Location

The insured person's geographical location may affect the premium due to differences in healthcare and hospitalisation costs across cities and regions.

Type of Plan Chosen

Premiums may vary depending on the maternity insurance plan, policy tenure, coverage options, and optional benefits selected. Selecting options like global coverage, increased sum insured limits, or expanded maternity and infant care benefits can cause premium costs to fluctuate.

Note: Factors affecting maternity health insurance premiums may vary across plans. Please review all policy details before purchase. Premium amounts and benefit entitlements under Worldwide Coverage are determined by the chosen plan's geographic scope, coverage caps, policy exclusions, and terms and conditions.

How to Buy Maternity Insurance Plans from Care Health Insurance?

Medical expenses related to pregnancy and childbirth can be significant, which makes planning for your maternity healthcare needs essential. With Care Health Insurance, you can easily explore and purchase a suitable maternity mediclaim policy through our digital platform. Here's how:

Explore and Select Your Plan

Visit the official Care Health Insurance website and browse various maternity insurance options to find coverage that suits your needs.

Enter Your Phone Number

Provide your mobile number and click on Get Quote to continue and calculate the estimated premium for the plan you select.

Choose Insured Members

Select the members you wish to insure, enter their age and current residential PIN code, and proceed to get a premium quote.

Review and Customise

Compare the available plans, evaluate individual health insurance plans alongside their maternity offerings and key coverage terms, then customise parameters including Sum Insured, optional add-ons, and coverage duration.

Receive an Instant Quote

Once you have selected your preferred coverage, get an immediate premium estimate for your chosen maternity health insurance plan.

Provide Required Details

Complete the application by filling in the proposer's information, details of the members to be insured, and the necessary KYC requirements.

Make a Secure Payment

Pay the applicable premium securely and finalise your transaction using any available online payment method.

Policy Confirmation

Once payment is verified and your policy is generated, the policy number, e-card, and all relevant policy details will be sent directly to your registered contact information.

Note: The online purchase journey for maternity insurance may vary depending on the plan selected. Carefully examine the coverage, premium, and policy conditions before finalising your purchase by following the instructions on Care Health Insurance.

Why Should You Buy Maternity Insurance Online?

Planning for maternity-related healthcare expenses in advance can help you stay financially prepared for pregnancy and childbirth. Buying a Pregnancy Insurance Plan online allows you to compare benefits, premiums, coverage, and geographical scope from home to choose the right policy.

Secure Payment Modes

Purchase your maternity insurance policy online from anywhere using fast, convenient, and reliable digital payment methods.

Easy Plan Comparison

Compare maternity benefits, waiting periods, Sum Insured, newborn coverage, worldwide coverage options, and additional policy features online to select a plan tailored to your specific requirements.

Instant Premium Quote

Calculate your maternity health insurance premium online to evaluate policy pricing and choose a plan that suits your coverage needs and budget.

Convenient Policy Selection

Explore available maternity policies, customise coverage options based on your preferences, and check the availability of optional benefits such as Worldwide Coverage, where offered, before completing your purchase.

Explore Worldwide Coverage

If you are looking for maternity protection beyond India, check whether the selected plan offers Worldwide Coverage for eligible treatment outside India. Before selecting this cover, carefully examine the applicable geographical scope, claim procedures, limits, exclusions, and additional policy provisions.

Easy Access to Policy Details

Access policy documents online before purchasing to review important terms, including maternity coverage, waiting periods, eligibility criteria, exclusions, geographical scope, and worldwide coverage provisions, where applicable.

Online Assistance

Get assistance with your queries during the online purchase journey to better understand the plan, its key maternity benefits and available optional covers.

Note: Buying maternity insurance online allows you to conveniently compare plans, benefits, waiting periods, premiums, and available worldwide coverage options. Worldwide Coverage is subject to the selected plan and applicable policy terms, limits, exclusions, and conditions. Always review the policy documents carefully before purchasing.

How to Claim Maternity Health Insurance?

Our quick and efficient claim management team assists in providing a seamless claims experience for maternity hospital care. For emergency hospitalisation, notify us within 24 hours. For planned hospitalisation, inform us at least 48 hours in advance. Then, select a cashless or reimbursement claim per policy terms.

Cashless Claim Process	Reimbursement Claim Process
Step 1: Inform the insurance provider regarding planned or emergency maternity admission within the required timeframe using available modes, such as the customer portal, mobile app, phone call, or email, and select an eligible network hospital to avail cashless treatment.	Step 1: Get maternity treatment at the chosen hospital and pay the applicable medical expenses at the time of discharge.
Step 2: Show your health insurance e-card and valid ID at the hospital’s insurance desk and complete the required pre-authorisation formalities.	Step 2: Collect the required documents, including hospital bills, discharge summary, prescriptions, diagnostic reports, payment receipts, and the completed claim form.
Step 3: The hospital coordinates with the insurer for pre-authorisation and claim assessment. You can easily track the status of your claim through either the mobile application or the online customer portal.	Step 3: Submit the completed claim form and required documents within the prescribed timeline. Documents can also be uploaded through available digital channels, such as the customer portal or mobile app, as applicable.
Step 4: Once approved, eligible maternity expenses are settled directly with the network hospital in alignment with the applicable policy terms and maternity coverage guidelines.	Step 4: Track the claim through the customer portal or mobile app. Upon approval, admissible maternity expenses are reimbursed to the eligible bank account as per policy terms.

Growing Your Family? Make It JOYful!

Get maternity and newborn coverage featuring an optional No Claim Bonanza for a 100% Sum Insured boost.

Documents Required for Maternity Insurance Claims

To file a maternity health insurance claim, submitting required documents ensures faster verification, smooth processing, and minimal delays for your maternity claim.

Reimbursement Claim	Cashless Claim
1. Claim Form: Duly filled and signed claim form.	1. Health ID: Copy of the insured person's health/medical ID card.
2. Hospital Records: Original hospital discharge summary, bills, and payment receipts.	2. E-Health Card: Copy of the e-health card.
3. Pharmacy & Labs: Original medicine/pharmacy bills, diagnostic, and laboratory reports (if applicable).	3. Pre-Authorisation: Filled pre-authorisation request/form.
4. Medical Records: Doctor's prescriptions, consultation papers, and maternity-related medical/treatment records.	4. Identity Proof: Valid government-issued identity proof (e.g., Passport, Voter ID, or other government identity card).
5. Delivery Details: Delivery or operative notes, wherever applicable.	5. Hospitalisation Advice: Doctor's written advice for maternity-related hospitalisation.
6. Birth Proof: Birth certificate or hospital-issued birth record of the newborn, wherever required.	6. Diagnostic Reports: Relevant medical and diagnostic reports, wherever required.
7. KYC & Banking: KYC documents and bank account details/cancelled cheque for reimbursement, wherever required.	N/A - Settled directly with network hospital.

Note: Specific document requirements can differ based on your selected maternity insurance plan, claim type, and policy terms. For complete details, please consult your policy document and claim guidelines.

Common Mistakes to Avoid When Buying Maternity Insurance

Choosing the right pregnancy insurance plan requires careful planning, since benefits involve specific waiting periods, limits, and conditions. Here are some common mistakes to avoid while selecting maternity health insurance:

Choosing Inadequate Maternity Coverage: Low coverage can increase out-of-pocket costs for childbirth and care.
The Right Approach: Select a policy with maternity coverage matching your expected medical expenses and budget.
Overlooking the Waiting Period: Most maternity plans have a waiting period that must be completed before claiming benefits.
The Right Approach: Verify the relevant waiting duration beforehand and secure coverage well in advance of starting a family.
Ignoring Newborn Baby Coverage: Focusing solely on pregnancy costs might leave your baby without necessary medical coverage.
The Right Approach: Identify a plan that includes suitable newborn baby coverage and understand its applicable conditions.
Not Checking Pregnancy-Related Benefits: Pre- and post-natal care, delivery, and other maternity expenses vary across plans.
The Right Approach: Compare the maternity benefits, coverage limits, and optional benefits offered under the policy.
Sharing Incorrect or Incomplete Information: Inaccurate details can affect policy issuance or claim assessment.
The Right Approach: Disclose complete and accurate information while purchasing your maternity health insurance policy.
Ignoring Policy Terms and Exclusions: Skipping policy details may cause confusion regarding limits, waiting periods, and exclusions.
The Right Approach: Carefully read the pregnancy insurance plan's policy terms and conditions before purchasing.
Delaying the Purchase: Buying too close to a planned pregnancy may leave insufficient time to complete the waiting period.
The Right Approach: Purchase a plan in advance to ensure the applicable waiting period is completed before coverage is required.
Overlooking Worldwide Coverage: Assuming treatment outside India is automatically covered can lead to unexpected expenses.
The Right Approach: If you require care abroad, check if the plan offers Worldwide Coverage and review its scope, limits, and exclusions.
Assuming Cashless Claims Are Available Outside India: Worldwide Coverage does not guarantee cashless treatment abroad; claims may require reimbursement.
The Right Approach: Review the international claim process beforehand and retain all receipts, bills, and health reports for reimbursement.

Disclaimer: Maternity coverage, waiting periods, newborn benefits, Worldwide Coverage, and claim procedures vary by plan and place of treatment. Cashless facilities may not apply for treatment outside India, even with Worldwide Coverage, requiring claims to be processed via reimbursement. Please review policy terms, coverage limits, exclusions, claim timelines, and required documents before purchasing or seeking treatment.

How We Verify Our Data & Metrics

All metrics on this page are verified directly through our internal operational records and IRDAI filings. Our claim counts (74.5+ Lakhs) and network hospital numbers (22,100+) reflect real-time, actively settled cases and empanelment records across India. Starting rates (e.g., ₹11/day) are calculated using base annual premiums for entry-level plans before applicable taxes and individual plan customisations.

How We Ensure Our Information is 100% Reliable

Your family’s safety comes first. Here is how we guarantee accurate details:

Fact-Checked: Sourced directly from official insurance and medical guidelines.
Expert-Approved: Reviewed by certified health insurance professionals before publishing.
Always Fresh: Regularly updated with live hospital lists, claim numbers, and Section 80D tax rules.
Simple Language: Clear, honest guidance you can trust with minimum jargons.

Editorial Policy

The content is intended to provide general information about health insurance and should not be considered legal, financial, or medical advice. Please refer to the policy documents for complete terms, conditions, and exclusions. Click here to view our editorial policy.

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Maternity Mediclaim Policy: FAQs

Q. What is the Waiting Period for Maternity Insurance?

The maternity waiting period varies by plan, ranging from 9 months under JOY Today and 24 months under JOY Tomorrow to 12 months under Ultimate Joy*, subject to applicable policy terms.

Q. Can You Buy Maternity Insurance While Pregnant?

Yes, you can buy; however, any active pregnancy will generally be excluded from coverage if the required waiting period has not been fully met.

Q. How Does Newborn Baby Coverage Work?

Subject to the specific limits and duration outlined in the chosen plan, it provides coverage for a newborn's eligible medical expenses.

Q. Are Pregnancy Complications Covered by Maternity Insurance?

Pregnancy-related complications may be covered depending on the applicable benefit, limits, exclusions, and policy terms.

Q. Are Normal and C-Section Deliveries Covered by Maternity Insurance?

Subject to policy terms and the applicable maternity limit, eligible costs for both C-section and normal deliveries are covered.

Q. Does Maternity Insurance Cover Prenatal and Post-Natal Expenses?

Yes, eligible prenatal and post-natal expenses may be covered within the maternity benefit, subject to applicable limits and policy terms.

Q. Can Maternity Benefits Be Claimed Immediately After Buying a Policy?

Generally, no. In most cases, policyholders cannot claim maternity benefits right away because plans mandate completing a specified waiting period first.

Q. Does Maternity Insurance Cover Every Pregnancy-Related Expense?

No, coverage is limited to eligible expenses and is subject to maternity limits, exclusions, waiting periods, and policy terms.

Q. Can Maternity Treatment Be Availed Outside India?

If your chosen plan includes eligible worldwide maternity benefits, treatment abroad may be covered according to policy terms and geographic limitations.

Q. How Can You File a Maternity Claim for Treatment Outside India?

Inform the insurer and submit the required medical records, bills, and payment proofs according to the applicable claim procedure.

Q. Is IVF Covered Under Maternity Insurance?

IVF/ART is covered only under select plans or optional benefits and is completely subject to applicable waiting periods, limits, and conditions.

Q. What Should You Check Before Buying Maternity Insurance?

Key factors to consider prior to purchasing maternity insurance include waiting durations, coverage caps, delivery and infant benefits, empanelled medical facilities, policy exclusions, and optional add-ons.

Q. How Many Pregnancies Can Be Covered Under One Maternity Insurance Policy?

Some maternity insurance policies may cover up to two pregnancies/deliveries, although the exact limit is subject to your chosen plan and specific policy conditions.

What Do Our Customer Say?

Overall Rating 3.8/5.0

+ Write a Review

AS

Anamika Sahay Joy/joy tomorrow

5

Amazing plan

Cant thank you enough to help me so quick with finances when my baby was about to be born and I had no strong financial support at that time. My premium paid off eventually.

G

Gloria Joy/joy tomorrow

4

Good benefits

I advised this plan to my brother for his wife. He got really impressed with the services during his wifes delivery. Thank you.

MY

Malti Yadav Joy/joy tomorrow

3

Good plan

This is a good maternity plan but with too many terms and conditions. Please make it flexible for new parents.

DM

Deepali Manchanda Joy/joy tomorrow

4

Helpful for maternity

I am the customer of care health insurance recently I purchased the policy care joy and i am happy with the benefits.

R

Ritukant Joy/joy tomorrow

3

Process your claims fast

I bought Joy maternity plan for my wife as we were planning a baby. Although they took time to process the claim after the delivery, it happened last moment. You should process your claims little faster.

Read All Review

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Disclaimer : The information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

**Number of Claims Settled as of Dec 2025

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

~~Claim Settlement Ratio for the period April 2025 to Dec 2025

^^Number of Cashless Healthcare Providers as of Dec 2025

*Premium calculated for an individual (Age 18) for sum insured 3 Lakhs in Zone 2 cities, 10% discount is applicable for a 3-year policy.

^The premium is calculated for an insured individual (18) who opts for a sum insured of 3 lakh in a zone 3 city.

1.For Ultimate Joy, the premium is calculated for one individual(age 18), opting for a ₹5 lakh Sum Insured in a Tier 3 location, with the Room Rent Modification add-on selected, for a 1-year policy tenure.

2.The premium is calculated for JOY Tomorrow for one individual aged 18, with ₹3 lakh coverage in a Tier 3 city, with a 24-month maternity waiting period, and a 1-year policy tenure.

3.The premium is calculated for two individuals aged 18, with ₹5 lakh coverage in a Zone 3 city for a 1-year policy tenure.

Best Maternity Insurance Plan in India

Starting at @₹13/day^

Summary

Key Takeaways

What is Maternity Insurance and How Does it Work?

How Much Does Pregnancy and Delivery Cost in India?

Find the Right Maternity Health Insurance Plan for You

Compare Maternity Insurance Plans and Coverage

Does Health Insurance Offer the Same Benefits as Maternity Insurance?

Coverage Scope

Waiting Period

Maternity Benefit Availability

Newborn Baby Coverage

Delivery Coverage

Additional Parenthood Benefits

When Should You Buy Maternity Insurance?

Why is Maternity Health Insurance Important?

Protects Your Savings from Maternity Costs

Covers Normal & C-Section Delivery

Covers Pre & Post-Natal Expenses

Provides Newborn Baby Coverage

Helps You Plan Parenthood Early

Offers Cashless Hospitalisation

Who Should Buy a Maternity Insurance Plan?

Plan Your Pregnancy, Not the Guesswork!

How Do Maternity Sum Insured and Coverage Limits Work?

How Much Maternity Insurance Coverage Do You Need?

Benefits of Maternity Health Insurance Plans

Financial Protection

Maternity Complications Cover

Pre & Post-Natal Cover

Newborn Baby Cover

Adoption Benefits

Additional Parenthood Benefits

Key Features of Our Maternity Insurance Plans

What Is Covered and Not Covered Under Maternity Health Insurance?

In-patient Hospitalisation Expenses

Day Care Treatment

Pre-Hospitalisation Expenses (Up to 30 Days)

Post-Hospitalisation Expenses (Up to 60 Days)

Normal Delivery Expenses

C-Section Delivery Expenses

Newborn Birth Defects

Ambulance Charges

Health Services

Mother & Newborn Baby Care

Room Rent

ICU Charges

Pre-existing Diseases Affecting Pregnancy

Fertility Treatments

Diagnostic Fees

Expenses Before the Waiting Period

Congenital Diseases

Optional Benefits Available with Maternity Insurance

Does Maternity Insurance Cover IVF and ART Treatment?

Who is Eligible for Maternity Insurance?

How to Choose the Best Maternity Insurance Plan?

What Factors Affect Maternity Insurance Premiums?

Age of the Insured

Waiting Period

Sum Insured and Coverage Limits

Pre-existing Medical Conditions

Coverage and Optional Benefits

Worldwide Coverage

Co-payment

Location

Type of Plan Chosen

How to Buy Maternity Insurance Plans from Care Health Insurance?

Explore and Select Your Plan

Enter Your Phone Number

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Provide Required Details

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Why Should You Buy Maternity Insurance Online?

Secure Payment Modes

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