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Insurance for maternity offers a safety net for expecting mothers and their newborn babies that covers delivery-related expenses during the most joyous phase of life.
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Maternity insurance is a type of health insurance that covers maternity-related expenses. Although parenthood is one of the most overwhelming experiences, it comes with additional expenses. A progressive increase in medical expenses and soaring hospitalisation charges may create a financial crunch for couples if they haven’t sought pregnancy insurance in time.
As mentioned above maternity comes with extra expenses. Even a normal delivery cost ranges between Rs 50,000 to Rs 80,000, whereas the C-Section costs around 1-2 lac in metro cities, depending on complications. Therefore, a well-planned maternity health insurance plan can be your absolute companion when you wish to become parent. The policy covers the in-patient maternity expenses with a newborn baby covered up to Rs 50,000. The scope of coverage also includes pre and post-hospitalisation expenses, daycare treatment cover, ambulance cover etc.
Thus, the Insurance for maternity helps you enjoy your parenthood and focus on recovery without the stress of arranging finances. At Care Health Insurance, our medical insurance for pregnancy plan- JOY ensures the best healthcare facilities for the expecting mother and the newborn baby without financial worries.
JOY is a specially designed health insurance with pregnancy insurance coverage in India by Care Health Insurance. This maternity insurance policy covers delivery-related expenses, whether a normal delivery or anormal or caesarean. As insurance for maternity comes with a waiting period, it is advisable to get health insurance with maternity cover in advance and stay prepared to welcome your baby into this world worry-free.
Health insurance with maternity coverage comes with the following features:
|Day Care Treatment||Available|
|Ambulance Cover||Up to Rs 1000 per claim|
|Maternity Cover||Rs 35000 for 3 lakh SI
Rs 50000 for 5 lakh SI
|New born Baby Cover||Rs 30,000 and 50,000 respectively|
|New Born Birth Defects||Rs 50,000 under Joy Tomorrow Plan|
|Waiting Period||9 months or 24 months as per the plan opted|
|Room Category||Single Private room with AC facility|
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Maternity Insurance Plan with Newborn Baby Cover
Health Insurance that Covers your Loved Ones
Pregnancy insurance can be a good choice for those who are planning a family. This insurance for maternity-related expenses comes with the following benefits:
Health insurance with maternity coverage makes your life easier by offering below coverage during childbirth:
|Minimum Entry Age||
|Maximum Entry Age||45 years|
|Policy Tenure||3 years|
|Pregnancy health insurance coverage||Up to 45 years|
|Pre-policy Medical Check-up||Applicable on insured with age 46 years or above|
|Grace Period||30 days from the policy expiry date|
|Free-look period||15 days from the date of receipt of the policy|
Standard insurance that covers pregnancy excludes the following conditions:
*For complete list of exclusions kindly refer to the policy document.
Availing maternity health insurance plan online is just a few clicks away. All you need to do is follow these simple steps:
With multiple options available in the market, at times choosing the right maternity insurance can be challenging. Thus, to enable you to decide on the right maternity insurance coverage, here are some points you should consider.
Everyone expects a smooth claim experience whenever a claim arises. That’s why it is important to follow the below-mentioned claim steps rightly while claiming pregnancy insurance:
The below documents are needed to register a claim for insurance that covers pregnancy:
|Cashless Hospitalisation||Reimbursement Hospitalisation|
|Pre-authorisation Letter to be availed at network hospital||Duly filled claim form|
|Duly filled and signed form along with the ID proof||Discharged certificate|
|A request for approval is sent to the insurer||Medical bills and receipt supporting the claim|
|Upon approval cashless facility can be taken||Doctor’s prescription or other related documents|
A maternity insurance policy is a type of health insurance that covers maternity expenses related to normal or caesarean delivery along with newborn baby care up to a defined sum insured limit.
You can buy maternity insurance plans when you are ahead in planning family. Under our insurance for maternity -‘Joy Today’ we cover maternity expenses after 9 months and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 2 Years.
You can take maternity insurance coverage when you are ready to welcome your bundle of joy. However, the benefit is only available if the delivery happens after the waiting period. So, it is advisable to buy pregnancy insurance coverage as early as possible.
We have two maternity health insurance products. Their respective waiting period is mentioned as below:
Remember that serving a waiting period is mandatory as you’ll hardly find an insurer that offers maternity insurance plans with no waiting period.
The eligibility for maternity health insurance is:
With CHI, you would get pregnancy cover health insurance that covers delivery expenses. Our Joy Maternity Insurance Plan is one of the popular insurance that covers pregnancy-related expenses including newborn baby care up to 90 days.
Health insurance for pregnancy includes maternity expenses for the mother and newborn. Joy is the affordable maternity health insurance in India that covers hefty hospitalisation and delivery expenses under its maternity insurance coverage.
Yes, pregnancy is considered a pre-existing condition under insurance for maternity cover as you have to serve a designated waiting period to claim the maternity cover health insurance.
Self-termination of pregnancy is not covered under pregnancy coverage health insurance.
Yes, 2nd childbirth is covered under maternity insurance plans if the maternity sum insured is not exhausted.
Yes, you can either purchase health insurance that covers maternity as well or a standalone maternity mediclaim policy.
Your maternity insurance coverage can be claimed up to two deliveries.
The premium for health insurance with pregnancy coverage is dependent on certain factors such as coverage, age, lifestyle, medical history etc. The premium is a defined amount to be paid at the time of renewal to enjoy the policy benefit under your pregnancy coverage health insurance.
The most important factors to be considered while buying insurance for maternity are: pre and post-natal coverage limit, Vaccination cover, newborn baby coverage, waiting period, pre and post-hospitalisation expenses cover etc.
No pre-existing illness is covered before 48 months under medical insurance for pregnancy.
No coverage is offered for non-allopathic treatment.
Most of the providers come with insurance that covers pregnancy up to two living children only.
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 31st May 2023
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of 30th June 2023.
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