Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Is It Advantageous To Add Maternity Riders To My Existing Plan?

Published On Nov 15, 2022 10:00 AM By InsuranceDekho

Each pregnancy is unique and can be difficult for the family. After delivery, taking care of the infant requires full-time work. This is only one part of pregnancy and childbirth, though. The financial component is another. One may sense a pressing need for a financial backup in today's world when healthcare expenditures are rising every day. This is where having maternity health insurance may be a huge help. To find out more on maternity riders, read on.

Is It Advantageous To Add Maternity Riders To My Existing Plan?

What Exactly Is Maternity Health Insurance?

Maternity health insurance is a type of insurance that offers financial support during childbirth. It pays for hospital stays necessary for vaginal or caesarean deliveries. The insurance coverage includes the newborn infant up to a specified number of days following delivery in addition to childbirth.

What Is The Necessity Of Getting Maternity Health Insurance?

You might feel more at ease about the cost of labour if you get maternity health insurance. When purchased as an add-on to your current health insurance plan, this cover is reasonably priced and offers sufficient financial protection for hospitalisation and delivery fees. Following are some facts of getting maternity health insurance for an individual -

  1. Monetary Coverage - In some regions of India, the price of delivery and childbirth can range from 50,000 to 1 lakh rupees. The price may be related to the quality of healthcare treatments provided throughout this time. It may be vaguely inferred that purchasing pregnancy insurance can assure that the new mother and her kid would have better health care facilities. As a result, insurance is crucial.
  2. Surgical Expenses - When the normal delivery procedure might be challenging for the mother and the infant, a surgical or caesarean delivery is necessary. Here, medical assistance is needed, and a significant abdominal operation is performed to deliver the baby. A caesarean delivery can also be chosen voluntarily. A caesarean delivery is substantially more expensive than a typical delivery. These expenses may be reimbursed under the maternity coverage of the mediclaim insurance.

When Should Someone Opt For Maternity Coverage?

It is best to purchase health insurance as soon as possible. The cost of health insurance will decrease the earlier you get it. Though you are the oldest person alive right now, the future is younger than you. The greatest time to get health insurance coverage is right now. A maternity plan is an add-on that you may purchase either when you get married, which occurs in the midst of the policy period, or when your health insurance plan is renewed.

A waiting period applies to maternity coverage. Each insurer may have a different waiting period. After purchasing the maternity add-on, some insurance providers have a 9-month waiting period, while others have one or more years. Maternity insurance coverage or maternity benefits are also offered with Group Health insurance plans, so you should contact your insurer to learn more about the waiting time. Consider employee health insurance programmes. The waiting time provision is typically absent from these insurance policies. There is no set waiting period for a permanent employee to file a claim for maternity benefits.

What Is The Waiting Period In Maternity Coverage In Health Insurance?

After purchasing the maternity benefit, you have a waiting period during which you cannot file a claim. This period varies from insurance to insurer. Some insurance companies mandate a 9-month waiting time after purchasing the coverage, while others may impose a 1- to 3-year waiting term on the client.


The greatest gift a woman can receive in her lifetime is becoming a mother. Expectant parents should cherish every second of it without worrying about anything else on earth, even the associated financial expenditures. Only choosing a dependable maternity plan from a reputable insurance provider can provide you this comfort.

Also Read: Tips To Take Care Of Your Health In Winters


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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 50 Lacs+ happy customers