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

Maternity Health Insurance

Maternity health insurance plans provide coverage for all pregnancy-related expenses to the insured. These include expenses related to normal or cesarean delivery, prenatal or postnatal care expenses, as well as vaccinations for the newborn.

must dot
Rs. 5 Lakh cover for maternity starting at Rs. 276/month* only
Rs. 5 Lakh cover for maternity starting at Rs. 276/month* only
  • Tax Benefit
    Tax Benefit
    Up to 75000**
  • Claim Support
    Claim Support
    Everyday 10AM-7PM
  • 45 Lacs+
    45 Lacs+
    Happy Customers

*Standard Terms and Conditions Apply.

**Tax benefits are subject to changes in Income Tax Act.

Maternity health insurance plans pay the insured for expenses involved with both surgical and normal deliveries of the baby. Many health insurance companies also offer maternity care as an additional rider or add-on that the insured can buy by paying the extra health insurance premium.There are some group health insurance plans as well that provide their women employees maternity benefits along with a reliable health insurance plan.

Best Maternity Health Insurance Plans in India for June 2023

There are many health insurance plans in the market that offer maternity cover either as an in-built feature in the health insurance plans or as a rider or add-on benefit. To know more about the most popular maternity insurance plans, refer to the table below:

Health Insurance Company

Health Insurance Plans

Plan Benefits

ManipalCigna Health Insurance

ProHealth Insurance Plan

  • In-Patient Hospitalisation Expenses
  • Daycare Expenses
  • Domiciliary Hospitalisation Expenses

Aditya Birla Health Insurance

Activ Health Enhanced Plan

  • Organ Donor Expenses
  • Pre-Hospitalisation And Post-Hospitalisation Expenses
  • In-Patient Hospitalisation Expenses

Bajaj Allianz General Insurance

Health Guard Family Floater Plan

  • Pre-Hospitalisation Expenses
  • Post-Hospitalisation Expenses
  • Ambulance Expenses
  • Daycare Treatments

Royal Sundaram General Insurance

Total Health Plus Plan

  • In-Patient Hospitalisation Expenses
  • Maternity Expenses
  • Pre-Hospitalisation And Post-Hospitalisation Expenses

Care Health Insurance

Joy Plan

  • Pre-Hospitalisation Expenses
  • Post-Hospitalisation Expenses
  • In-Patient Hospitalisation Expenses
  • Daycare Procedures

Need For Maternity Health Insurance

Health insurance plans for pregnancy - Maternity health insurance plans are recommended in case someone is planning to start a family. These plans help the insured manage their finances during multiple visits to the gynecologist along with other maternity benefits. A maternity health insurance plan also includes medical examinations, medicines, and other pregnancy-related expenditures, as well as procedures linked with hospital stays, among other items. However, coverage is determined by the health insurance plan of the insured and the insurance company he or she selects.The core objective of this policy is to prevent the policy buyer from spending their savings in case of a medical emergency.

Benefits of Buying Maternity Health Insurance

Maternity health insurance offers the insured the following benefits:

1. Maternity cover including prenatal and postnatal expenses
2. Cover for a newborn baby expenses
3. Cover for the newborn baby vaccination
4. Cover for basic medical expenses during an emergency (other than maternity)
5. Available at the affordable premium amount
6. Tax benefits under Section 80D of the Income Tax Act, 1961

Factors to Consider When Buying Maternity Health Insurance

Before buying a maternity health insurance policy, it is imperative for the policy buyer to analyse their requirements. A decision taken in haste may not prove to be beneficial at the time of actual requirement. So, here are the common factors to consider when buying maternity health insurance cover:

1. Premium: Some maternity insurance plans are available at high health insurance premiums. So, make sure to choose a maternity health insurance that falls in the budget.

2. Waiting Period: There is a waiting period for maternity health insurance plans. It is the time span in which claims are not accepted. It is recommended that you choose a health insurance plan with shorter maternity benefit waiting periods.

3. Sub-Limits Under The Policy: Sub-limits on maternity expenses are frequent, which means that the benefit cannot be used in surplus of the limit. Choosing a maternity insurance plan with lower limits is recommended because it limits coverage benefits.

4. Sum Insured: It is imperative to choose a health insurance policy with a sufficient sum insured. It is true that to choose a high sum insured, the policyholder is required to pay a higher premium, but compromising on the sum insured because of the same might not be beneficial in the future.

5. Network Hospitals: Cashless treatment is only available to policyholders who seek treatment at a network hospital. To save time in the case of an emergency, choose a maternity health insurance policy with a large number of network hospitals, including some near to their home.

Other factors to consider include cover for prenatal and postnatal expenses, cover for newborn baby including the vaccinations, ambulance cover, exclusions, etc.

How to Buy Maternity Health Insurance Plans Online At InsuranceDekho?

Buying maternity insurance plans online at InsuranceDekho is a simplified process. The following steps need to be followed and the policy can be owned within a few minutes:

1. Visit, then click on the health tab.
2. Select the gender and enter your name and mobile number. You will receive a One Time Password (OTP) on the given number. Kindly enter that.
3. Tell us when you wish to purchase the policy. Then click on the ‘View Instant Quotes’ button to proceed.
4. If you want to get your family members added under the policy too, then select them as well as their age. Click on ‘Continue’.
5. Enter your Email ID and city and click on the ‘Submit and View Quotes’ button.
6. You will see many maternity health insurance quotes. Choose the most suitable one out of them according to your requirement and budget.
7. Select the policy term and enter the required details. Pay the premium online via a secured payment gateway.

One can also buy maternity health insurance in the offline mode at InsuranceDekho by connecting to the experts.

Need help?

Schedule FREE Home Visit Now & Secure Your Family

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

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
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Learn more about maternity Health Insurance

FAQ About Maternity Health Insurance

  • What is maternity health insurance and how does it work?

    Maternity health insurance covers the expenses that a woman faces when she is pregnant. These expenses may include newborn baby cover, prenatal and postnatal expenses, delivery expenses, etc.

  • When should I buy a maternity health insurance plan?

    Most maternity health insurance plans come with a waiting period during which the expenses are not covered. So, to make the most of a maternity health insurance plan, all newly wedded couples should opt for it without procrastinating and plan pregnancy accordingly. 

  • What is covered under maternity insurance?

    Maternity insurance offers cover for delivery expenses whether normal or cesarean delivery, prenatal and postnatal expenses, newborn baby cover, and vaccination expenses. 

  • What is the waiting period for maternity insurance?

    The waiting period for maternity health insurance plans differs from insurance company to another. However, generally, it ranges between 36 months and 48 months. 

  • What are the eligibility criteria for maternity health insurance?

    Minimum entry age for maternity health insurance is 18 years and maximum entry age is 45 years. However, minimum and maximum entry age varies from plan to plan.  

Insurance Dekho Contact Details

Reach us for help anytime

Health Insurance Companies User Reviews

What users are saying
  • I recently switched to InsuarnceDekho, and the transition process was incredibly smooth. Their team guided me ...

    Read More
    By Aadam Rao
    On: June 07, 2023
  • Whenever I have had questions or needed assistance with my Royal Sundaram Health Insurance Policy, the custome...

    Read More
    Royal Sundaram
    By Rajeeb Purohit
    On: June 07, 2023
  • One of the best features of the National Health Insurance Policy is its efficient claims processing system. I ...

    Read More
    By Shubhangi Mehta
    On: June 07, 2023
  • The Niva Bupa Health Insurance Plan emphasizes preventive care, and its coverage for preventive services is ex...

    Read More
    Niva Bupa
    By Riti Thakur
    On: June 07, 2023
  • My purchase of Star Health Insurance Policy from InsuranceDekho was amazing. I bought the plan from their offi...

    Read More
    By Manu Sharma
    On: June 06, 2023

Health Insurance News