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All About the Maternity Rider in Health Insurance Plans

Published On Aug 27, 2022

A woman who is pregnant needs care and medical help all the time. But not only do hospital bills add to the financial stress, but care, after the baby is born, doesn't cost any less. This could be a huge problem for parents-to-be if the mother doesn't have health insurance with a maternity rider.

All About the Maternity Rider in Health Insurance Plans

What is Insurance for a Mother-To-Be?

Pregnancy insurance is discussed in more detail down below:

  • Maternity insurance is a type of health insurance that covers all costs related to pregnancy, including those for normal delivery or a C-section. Under their maternity insurance policy, some insurance companies cover costs before and after giving birth, as well as costs for the new baby. Also, some companies give their female employees maternity insurance as part of their best health insurance plan or as an add-on.
  • In India, all maternity insurance plans have a waiting period. This period can be anywhere from 9 months to 6 years. During this time, insured women can't get help with any costs related to their pregnancy. So, women are told to sign up for maternity insurance at least a few years before they want to have children. Also, the waiting period for maternity insurance varies from plan to plan, so they need to check that before choosing a maternity plan.

Health Insurance with a Rider for Pregnancy

Pregnancy-related health insurance coverage details:

  • Most basic health insurance plans offer maternity insurance as a separate add-on or rider. It covers a wide range of costs that come up during childbirth. 
  • Many health insurance companies also cover the child from when it is born until it is an adult.

What Does a Maternity Rider Include?

Information about maternity Rider coverage: 

  • Normal birth or C-section
  • Pre-natal and post-natal expenses
  • Costs of immunisations for the first year of a baby's life
  • Other costs related to care after delivery
  • Costs incurred before and after a hospital stay
  • If your insurance plan has a "maternity rider," you don't have to worry about which hospital or nursing home to choose for the birth. 

What Doesn't a Maternity Rider Cover?

The following costs are not covered by maternity benefits:

  • Cost of regular health checks by a doctor
  • Pregnancy visits to the doctor, diagnostic tests, and follow-ups
  • Vitamins and tonics are not covered unless they are part of a treatment plan.

Things to Keep in Mind While Buying Maternity Health Insurance

Make sure your health insurance plan gives you enough coverage for the costs related to pregnancy-related health care. This must cover hospital stays, medicine, checkups, tests, and anything else that might come up.

The time you have to wait before you can use some of your health insurance plan's benefits. Many plans make the insured wait between 2 and 5 years before they can use their maternity benefits. Because of this, you should buy a health insurance plan with maternity benefits ahead of time so you can use them when you need to.

Before you buy a health insurance policy for maternity benefits, you should read and understand the policy document and look at all of the features, clauses, benefits, terms, and conditions.

If you know everything there is to know about these parts of your policy, it won't be hard to make the right choice. When you buy the right health insurance plan, you can enjoy many benefits, such as full coverage, coverage for a newborn baby, coverage for ambulance costs, an easy online application, the ability to pay without cash, and tax savings. 


Motherhood is a joy that only the lucky get to feel. You need to make sure you are safe financially, emotionally, and physically for it to be a memorable one which you can do by getting a full plan for maternity health insurance.

Also Read: 

Benefits of Senior Citizens Red Carpet Policy offered by Star Health & Allied Insurance

Discovering Care Senior Citizen Health Insurance Plan for your Parents


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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