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Planning to start a family? Our maternity insurance offers peace of mind and financial safety, by covering pregnancy, childbirth, and post-natal care expenses. Embrace the joy of parenthood without the burden. Get the best possible care for both mother and baby.
View MoreReasons to Choose Care Health Insurance?
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.
Ideally, anyone planning to start a family should buy a maternity health insurance plan as early as possible. By doing so, they will be able to serve the waiting period before starting a family. All maternity insurance plans have stipulated waiting periods during which the insured women cannot make any claims for pregnancy-related medical costs.
Further, buying a plan at an early age can help ensure extensive cover when needed, helping women manage the expenses for delivery, prenatal care, and postnatal care without any additional financial burden. Hence, it is advisable that women invest in comprehensive maternity insurance at least a couple of years before starting a family. Further, you must remember to check the waiting period before buying a policy, as it might vary from plan to plan.
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:
| Particulars | Coverage |
|---|---|
| In-patient Care | Available |
| 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 |
Embrace Motherhood With No Financial Worries
Ideal for families looking for capless coverage
Health insurance for domestic and global coverage up to 6 crore
Specially Tailored Plan for 36 and Above with No Co-pay Clause
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:
| Category | Terms |
|---|---|
| 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 |
| Waiting Period |
|
| 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:
Cashless Claim
Reimbursement Claim
The below documents are needed to register a claim for maternity cover health insurance.
| 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 |
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My appreciation for your prompt service
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Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
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Vaibhav Rai
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Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
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48 Lakh + Claims Settled**
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CASHLESS HEALTHCARE PROVIDERS^^
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 36 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.
Yes, maternity care insurance usually covers both normal and caesarean deliveries. A maternity insurance provides extensive coverage for various related expenses, regardless of the type of delivery.
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 March 2024
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of 31st March 2024
*Premium calculated for an individual (Age 18) for sum insured 3 Lakhs in Zone 2 cities.
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