Save tax up to ₹75,000 ~ u/s 80D.

Get a call back from us


Or call us on our toll free number

Thank You

Thank you!

We thank you for your interest in Care Health Insurance Limited . Our expert will call you soon to assist you.

Message Welcome to Live Chat Call

Start Chat


Maternity Health Insurance Plan

Maternity Insurance Plan

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.

  • Perfect Blend of Hospitalization and Maternity Insurance
  • New Born Baby Cover up to 90 Days
  • 10% Premium Discount on Multi-Year Policy
  • Coverage to 541 Day Care Treatments
Cashless Healthcare Providers^^
48 LAKH+
Insurance Claims Settled**
Claim and Customer Support
Discount Sticker

Get Quote In 1 Minute Discount Sticker


+91 Verified
  • Please Select Product
By clicking, you agree to ourT & C

What is Maternity 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.

Why is Health Insurance with Maternity Coverage Necessary?

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.

Explore Care Maternity Health Insurance 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.

Features of Maternity Insurance Policy

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
Man Illustration

Look for best health plan that suits your need!

Product Image
Maternity Health Plan

Maternity Insurance Plan with Newborn Baby Cover

  • Newborn Baby Cover up to the first 90 days
  • Pre & Post Hospitalization Cover
Product Image
Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage
Product Image
1 Crore Health Plan

Health Insurance with Higher Sum Insured

  • Upto 50% No Claim Bonus
  • Individual or Floater Option

Benefits of Maternity Mediclaim Policy

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:

  • Cashless Hospitalization- One of the seamless and essential benefits of maternity health insurance is cashless hospitalisation where the hospital bill is settled by the insurer directly.
  • In-patient care- Mediclaim for pregnancy ensures complete in-patient care in case of any complications during the delivery.
  • Day Care Treatment- Health insurance with pregnancy cover includes daycare treatments as well.
  • Advance Technology Methods- Get access to good health and sustainable treatment with advanced technology under pregnancy cover health insurance.
  • Newborn Baby Cover- Mediclaim for pregnancy doesn’t limit the coverage until the delivery. Your newborn is covered up to the first 90 days under health insurance with maternity coverage.
  • Pre - Hospitalisation- Maternity insurance plans cover the related medical expenses even 30 days before your hospitalisation.
  • Post - Hospitalisation Cover- There may also be follow-up visits to your medical practitioner, required medication, etc. Pregnancy medical insurance covers the related medical expenses incurred after discharge for 60 days.
  • Single Private Room with AC- You are eligible to get a single private room with AC under this maternity insurance coverage.
  • Long Term Policy- With this feature, you will be able to get 3-year long-term policy with no yearly-renewal worries.
  • Discounts- Get a premium discount of up to 10% while opting for a multi-year health insurance for pregnancy.
  • Free Look Period- Free Look Period keeps you at ease if you are unsure whether you have taken the right maternity cover insurance. If no claim has been made within this period, we will refund the insurance premium received after deducting the proportionate risk premium for the period on cover, expenses for medical examination, and stamp duty charges, as applicable.
  • Optional Cover-No Claim Bonanza- In case of no claim during the tenure of 3 years, you will be given a bonus of 100% of the sum insured under JOY health insurance for pregnancy. An additional premium will be charged, however, to avail this benefit.
  • Direct Claim Settlement- We have kept the claim procedures very simple under maternity health insurance. Whether it is an emergency or a planned hospitalisation, all you have to do is to present the Health Card to our network of more than 24800+ Cashless health care providers across India and avail the cashless service.
    If you have opted for a non-networked hospital, inform us directly about the claim. We will process your claim as soon as we receive the specified documents supporting your pregnancy health insurance claim.
  • Tax Benefit- Opting for maternity insurance comes with two-fold benefits. It ensures good medical care for mother and infant and enables you to avail tax benefits on the premium you pay for it as per the Income Tax Act 1961*.
  • Sum Insured Restoration- Sum insured will be reinstated for a non-related illness once a year if the original sum insured gets exhausted in a year under pregnancy insurance plans.

What is Covered under Maternity Insurance?

Health insurance with maternity coverage makes your life easier by offering below coverage during childbirth:

  • Pregnancy Cover- Expenses incurred pre and postnatal can increase the couple's financial stress. The maternity insurance policy covers pre and post-natal expenses and helps mother and her child to recover faster.
  • New Born Baby Cover- Health Insurance with Pregnancy Cover plan also has a newborn baby cover. It means that we cover your newborn's expenses from the day of delivery to 90 days to ensure good health.
  • Congenital Diseases Cover- The health insurance with maternity coverage will pay the amount as a lump sum if the newborn child is diagnosed with Down's Syndrome or Cerebral Palsy.

Maternity Insurance Policy at a Glance

Category Terms
Minimum Entry Age
  • Adult: 18 years
  • Child: Day 1
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
  • 4 years for pre-existing illness
  • 9 months to 3 years for maternity claim
Free-look period 15 days from the date of receipt of the policy

What’s Not Covered under Maternity Insurance Plans?

Standard insurance that covers pregnancy excludes the following conditions:

  • Pre-existing illness up to 48 months.
  • Any illness contracted within the initial 30 days of the policy except for those claims arising out of accidents.
  • Self-inflicted injuries.
  • Claim arising out of consumption of alcohol, drug or abuse of tobacco.
  • External congenital disease.
  • Non-allopathic treatment.

*For complete list of exclusions kindly refer to the policy document.

How to Buy Maternity Health Insurance Online?

Availing maternity health insurance plan online is just a few clicks away. All you need to do is follow these simple steps:

  • Visit the official website of the insurer.
  • Go to 'Get a Free Quote'.
  • Select the plan suggested in the options
  • Enter the required details, including total members, age of the eldest member, contact number and tenure.
  • Select the Sum Insured.
  • Get the premium details and pay it through insurer’s secured payment gateway. You will receive the policy documents on your registered email-id, including the policy number and e-card.
Things to must have in maternity health Insurance

Things to Consider Before Selecting Maternity Health Insurance

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.

  • Choose the best maternity cover insurance plan that gives you financial protection against various medical expenses and not only hospitalisation expenses.
  • Savings is crucial for every family. Thus, look for premium discounts you can avail of, such as a discount on multi-year maternity health insurance.
  • Go through the list of cashless network hospitals so that you know you have easy access to cashless hospitalization in time of need.
  • Read the pregnancy insurance plan document carefully to understand the policy inclusions, exclusions, sub-limits, and waiting period.
  • You can get maternity cover health insurance at an affordable premium by carefully comparing and selecting the right policy with maximum coverage and benefits.
  • Newborn baby cover, daycare procedures, and new-age treatments are a few must-have benefits you should look for in a maternity cover insurance plan.
  • Find out the procedure to file a claim under insurance policy for pregnancy, so you need not face any hassles or delays.

How to Claim Maternity Cover Insurance?

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

  • Intimation: Intimate your insurer within 24 hours of hospitalisation in case of cashless hospitalistaion and 48 hours in case of planned hospitalisation.
  • Pre-authorisation Request: Fill out the cashless for seeking the insurer’s approval at the TPA.
  • Approval/Rejection: The status of the pre-authorisation request will be shared.
  • Claim Settlement: The claim will be settled directly with the hospital authority.

Reimbursement Claim

  • Claim Registration: Pay the initial medical bills and register a claim under reimbursement category.
  • Document Submission: Submit the dully filled claim form along with the required documents.
  • Approval/Rejection: The status of the claim request will be shared. In case of rejection or discrepancy, the insurer will update the cause of rejection.

What are the Documents Required to Claim Maternity Mediclaim?

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

Voice Of Customer

Anamika Sahay December 01, 2023
Joy/joy tomorrow

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.
Gloria December 01, 2023
Joy/joy tomorrow

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.
Malti Yadav December 01, 2023
Joy/joy tomorrow

Good plan

This is a good maternity plan but with too many terms and conditions. Please make it flexible for new parents.
Deepali Manchanda December 01, 2023
Joy/joy tomorrow

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.
Ritukant December 01, 2023
Joy/joy tomorrow

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.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

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.


Awarded as Best
Health Insurance Company of the year^


48 LAKH+ Claims Settled*



^India Insurance Summit & Awards 2023

Maternity Mediclaim Policy: FAQs

Q. What is maternity health insurance and how does it work?

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.

Q. When should I buy maternity health insurance plan?

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.

Q. Can I get maternity health insurance while pregnant?

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.

Q. What is the waiting period for maternity insurance policy?

We have two maternity health insurance products. Their respective waiting period is mentioned as below:

  • Joy Today: 9 months
  • Joy Tomorrow: 3 years

Remember that serving a waiting period is mandatory as you’ll hardly find an insurer that offers maternity insurance plans with no waiting period.

Q. What is the eligibility criteria for maternity health insurance?

The eligibility for maternity health insurance is:

  • Minimum Age: Adult: 18 years or above
  • Maximum Age: 45 years

Q. How do I get health insurance that covers pregnancy for my wife and new-born?

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.

Q. What makes pregnancy insurance plans so important for young couples?

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.

Q. Is pregnancy considered a pre-existing condition under maternity health insurance?

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.

Q. Is pregnancy termination covered in medical insurance for pregnancy?

Self-termination of pregnancy is not covered under pregnancy coverage health insurance.

Q.Is 2nd child birth covered under maternity insurance?

Yes, 2nd childbirth is covered under maternity insurance plans if the maternity sum insured is not exhausted.

Q. Can insurance for maternity be taken as an add-on benefit under regular health insurance?

Yes, you can either purchase health insurance that covers maternity as well or a standalone maternity mediclaim policy.

Q. How many claims can be registered under a maternity insurance policy?

Your maternity insurance coverage can be claimed up to two deliveries.

Q. How is the premium calculated for pregnancy insurance plans?

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.

Q. What are the factors to be considered while buying pregnancy insurance policy?

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.

Q. What is the waiting period for pre-existing illness under maternity insurance policy?

No pre-existing illness is covered before 48 months under medical insurance for pregnancy.

Q. Does maternity insurance offer coverage for non-allopathic treatment?

No coverage is offered for non-allopathic treatment.

Q. Is 3rd child covered under health insurance for pregnancy?

Most of the providers come with insurance that covers pregnancy up to two living children only.

Q. Does maternity care insurance cover both normal and caesarean deliveries?

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

View All

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

+91 nb-check.svg

Chat with Us