Paisawiki is a Part of Logo
Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹300/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹300/month*
Get ₹5 Lac Health Insurance starts @ ₹300/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Popular Health Insurance Plans that Cover Maternity

A crucial phase in a woman's life is the time of maternity or when she is pregnant. A woman needs to prepare for this parenthood in many ways. At the same time, a financial backup is equally important is to meet all the costs of all the pregnancy, delivery, and new born baby care. A well-designed maternity health insurance will cover everything from a hospital stay to medical tests to the cost of delivery, add medicines to ease the burden of the rising cost of healthcare, and bring the bundle of joy and happiness in your life.

What is Maternity Health Insurance?

Maternity health insurance is a health insurance plan which covers all the expenses related to the delivery of a child. However, there are no separate maternity insurance plans to cover pregnancy costs. The family floaters or group insurance plans often include them. Maternity insurance is offered as a rider or an add-on to the comprehensive health policy in some health insurance plans. 

Inclusions of a Maternity Health Insurance Plan 

Some of the best health insurance plans offer pregnancy cover and include the following:

  • Expenses Towards Hospitalization- Usually, maternity health insurance plans cover pre and post-hospitalization expenses. For pre-hospitalization expenses, one-month coverage is receivable before the policyholder gets admitted to the hospital. For post-hospitalization expenses, two-month coverage is receivable after the policyholder gets a discharge from the hospital. During the hospitalization, the insurance covers the rent of the room, charges of the doctor, nursing charges, and other related charges.
  • Expenses Towards Delivery– The insurance covers all the delivery expenses, whether it is a normal or caesarean delivery. Some policies also cover any complications after the delivery
  • Coverage for the New-born Baby- Most maternity health insurance policies cover the post-natal care and the care of the new-born baby in case of diagnosis of any congenital disease or critical illness   

Exclusions of a Maternity Health Insurance Plan 

Some of the best maternity health insurance plans do offer a pregnancy cover, but there are certain specific things that they exclude from the policy. Let us have a detailed look at them:

  • Any treatment which is non-allopathic 
  • Any outside consultation fees 
  • Check-ups regular in nature 
  • Cost of medicines 
  • Diseases which are congenital 
  • Pregnancy termination under 12 weeks 
  • Diagnosis of any pre-existing sickness or injuries within the 48 months of the commencement of the policy 
  • Any expenses which are related to injuries which are self-inflicted or due to the drug abuse or alcohol 
  • Any expenses related to the treatment of aids 
  • Any dental treatment expenses 
  • Any expenses relating to in-vitro fertilization or infertility 

Top Health Insurance Plans with Maternity Cover

After knowing about the maternity health insurance plan's inclusions and exclusions, let us compare some of the best maternity health insurance plans in India. A lot of insurance companies have now come up with specialized maternity health insurance plans.

Let us look at the plans in detail:


Name of the plan

Sum insured (Rs.)

Age of entry (years)


Aditys Birla Health Insurance

Active Health Platinum Enhanced Plan 

2 lakh – 2CR

91 days and above



Bajaj Allianz Health Insurance

Health Guard Gold Family Floater Plan


3 lakh -50 lakh

18 -65 years

Bharti Axa Health Insurance

Super Smart Health Insurance Plan


5 lakh – 1 cr


Care Health Insurance (formerly known as Religare Health Insurance)

Joy Today & Tomorrow

3 lakh to 5 lakh

18 years  above

Child- day 1-24 years

Cholamandalam Health Insurance

Privilege Health Insurance Plan

5 lakh- 25 lakh

18 years

Digit Health Insurance

Digit Insurance with Maternity Cover

2 lakh - 25 lakh


Edelweiss Health Insurance

Edelweiss Gold and Platinum Plan

20 lakh – 1Cr

90 days to 65 years

Future Generali Health Insurance

Total Mediclaim Plan

up to 1 Cr

no age bar

ManipalCigna Health Insurance

ProHealth Plus Plan

4.5 lakh to 50 lakh

18 to 65 years

Max Bupa Health Insurance

Heartbeat Family Floater Plan 

 5 lakh to 1 Cr

18 to 65 years

New India Assurance Health Insurance

Floater Mediclaim

5 lakh to 15 lakh

18 to 65 years

National Health Insurance


Parivar Mediclaim Policy

1 lakh to 10 lakh

18 to 65 years

Oriental Health Insurance

Family Floater Diamond Plan

12 lakh to 20 lakh

Up to 65 years

Royal Sundaram Health Insurance

Lifeline Elite

3 lakh to 50 lakh

No bar

Star Health Insurance

Family Health Optima

1 lakh to 25 lakh

16 days of age

SBI Health Insurance

Arogya Premier Plan

10 lakh to 30 lakh

3 months to 65 years

Universal Sompo Health Insurance

Complete Health Care

Group Health Insurance

Day 1

*Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

To Conclude!
Maternity needs to be planned properly. Financial condition should not be a hurdle when you are entering to a new phase of your life and bringing a life into this world. In this regard, the aforementioned health insurance plan can be a good option to cover your health and maternity-related expenses. However, it is always recommended to compare the plans as per your need and buy smartly!


Written By: Paisawiki - Updated: 24 March 2021

You May Also Want to Know About

Best Dental Insurance Plans in India

Best Dental Insurance Plans in India

Best Dental Insurance Plans in India One of the scariest aspects of everyday life is going to see a dentist. A simple toothache can turn a happy day into a painful experience. And we can’t ignore the expenses associated that can’t assume to be...
Best Health Insurance Plans in India

Best Health Insurance Plans in India

Best Health Insurance Plans in India 2021 Drafting a sound financial plan is challenging to an individual for reasons more than one. The primary aim of the plan is to cater for financial cover for life goals and long term wealth creation in the fo...
Best Health Insurance Plan For Senior Citizens

Best Health Insurance Plan For Senior Citizens

Best Health Insurance Plan For Senior Citizens When it comes to a health insurance plan it is more than a necessity in today’s times. As we know and will even agree that any eventuality does not come with prior notice or information. In any cas...
Best Maternity Insurance Plans in India

Best Maternity Insurance Plans in India

Best Maternity Insurance Plans in India Health insurance with maternity cover and childcare benefits provide for the expenses incurred before, after, and during the delivery process of a child. Expecting parents are often bombarded with expenses ...
Health Insurance for Diabetics

Health Insurance for Diabetics

Health Insurance for Diabetics With a surge in lifestyle diseases, having health insurance covering these illness has always been a need. One such disease that takes a toll on people’s health is Diabetes. Diabetes is a state of health condition,...