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

What If You are Pregnant and Uninsured?

Pregnancy is one of the most beautiful phases, a couple can go through to strengthen their bond. Though it is one of the most delightful experiences in life, the expenses that can come along with pregnancy can be a bit overwhelming and stressful at the same time.

And stress should be the last thing one has to deal with while being pregnant.

It is very common to see that, a lot of new about to be mothers in India do not have health insurance addressing pregnancy. It is to be noticed that maternity expenses begin from the very first day one is pregnant and these expenses can push one into a financial crisis if not addressed efficiently. Thus to avoid this, the best option is to procure financial stability during such a time with a maternity health insurance policy.

What is Maternity Health Insurance?

Before we continue any further, we need to know what exactly this lifesaver called ‘maternity health insurance’ is.

In simple words, maternity health insurance policy is a type of insurance policy that covers all the expenses associated with childbirth up to a particular period.  

It is an additional or add-on that is usually provided along with your main/primary health insurance.

Maternity health insurance, along with covering the expenses that revolve around the period of pregnancy, also ensures that the newborn would be welcomed with utmost care and safety into the hands of its parents. More than covering the expenses, this is the factor that promotes expecting parents to opt for maternity insurance along with their basic health insurance.

The best time to opt for maternity insurance is before one conceives, as most of the plans come with a waiting period of about 2 to 4 years. Due to this factor, opting for health insurance during pregnancy is not possible. Some insurance companies also allow you to apply for insurance policies when you have just conceived. But usually, these companies do not provide health insurance when a person is already pregnant.

What is the Need for Maternity Insurance?

This is a common doubt that can seep into an expecting mother. A mother not under the aid of any maternity health cover at the time of delivery would have to deal with expenses falling in between Rs 60,000 and Rs 2 Lakh for a caesarian delivery in a private hospital. Added with extra hospitalisation fees, this amount of expense only seems to be increasing and consequently be a burden to the expecting couple.

So what exactly are the features of this health insurance policy?

Usually, these health insurance policies start to cover the medical expenses 30 days before the hospitalisation and childbirth. It also continues to look after the expenses of post-childbirth up to 60 days (starting from the day the child is born)

Maternity health insurance plans cover the pre and postnatal expenses along with pregnancy and its medical complications. This feature of health insurance deems to ensure protection and safety to both child and mother during such a critical situation of one’s life.

Best medical insurance with a maternity cover not only take care of the expenses during pregnancy but also cover additional expenses such as the doctor’s fees, ambulance fees, nurse’s fees, hospital room charges, etc. and similar other additional hospital charges that can arise during this period. It is to be also noted that, most of the health or maternity insurance policies cover the medical expenses of the child from its first day until three months since its birth.

What to Do if You are Pregnant and Uninsured?

If you are pregnant and without any health insurance, then fret not!

To help you through this process, there are few ways through which you can deal with your pregnancy at a reasonable cost that would not yield you much stress.

Though the options are quite limited to a person pregnant with no health insurance to go through this process, it’s always advised not to take any kind of stress, especially emotional ones, during this critical period as it can adversely affect the child. It’s always advised to view things with a pinch of salt. Always remember that if one door closes, another would be there open to help you lead the way.

Public Healthcare Hospitals

Getting the aid of public healthcare departments is one of the best options that always seem to top this list. Many local health departments provide excellent maternity care.

Community Health Centres

Community health centres provide healthcare facilities to people who have limited access to healthcare. They mainly focus on providing parental care with fees that are based mainly on income, instead of maternity insurance.

The mentioned below are some of the popular medical insurance with maternity benefits, one can look into next time they require:

Insurance Plan


Sum Insured

Aditya Birla Activ Health Platinum and Enhanced Plan

New born baby expenses, medical treatments, vaccinations

Rs 2 lakh  to Rs 2 crore

Bajaj Allianz Health Guard Family Floater Health Insurance Plan

Covers maternity and new born expenses

Rs 2 lakh to Rs 50 lakh

Bharti AXA Smart Super Health Insurance Plan

Benefits range with the difference in plans

Rs 20 to Rs 30 lakh

Care Joy Health Insurance Plan (Formerly known as Religare Joy Health Insurance)

Rs 35,000 to Rs 50,000 for both maternity & new born expenses

Rs 3/5 lakh

Chola MS Family Health line Insurance Plan

No claim bonus benefits

Rs 15,000 to Rs 40,000

Digit Health Insurance with Maternity Cover

Covers delivery expenses, infertility expenses, pregnancy complications expenses, room rent expenses


Edelweiss Health Insurance Gold and Platinum Plan

Maternity insurance cover

Rs 50,000 to Rs 2 lakh

Future Generali Health Total Mediclaim Insurance

Offers maternity cover even after the completion of the waiting period

Rs 15 lakh to Rs 1 crore

Kotak Mahindra Premium Plan

Expenses dealing with child delivery and lawful termination of pregnancy are taken care of


Max Bupa – Heartbeat Family Floater

Covers both pre and post-natal expenses and also covers the vaccination charges until the child is one year of age

Up to Rs 50 lakh

Manipal Cigna Health Insurance- ProHealth Plus Plan

Normal delivery – Rs 15000

Caesarean: Rs 25000

Maximum Rs 10 lakh


National Insurance Parivar Mediclaim Policy

Provides anti-rabies vaccine to children under the age of five years of age

Normal delivery – Rs3000

Caesarean – Rs 5000

Oriental Happy Family Floater Insurance

Maternity expenses along with new born baby cover

Rs 2 lakh to Rs 20 lakh

Royal Sundaram Master Product- Total Health Plus

Covers maternity expenses and complications that can come up before or after the delivery

Rs 30,000 and Rs 50,000

Star Health Wedding Insurance

Hospitalisation expenses

Pre and postnatal expenses

New born bay cover

Post-delivery complications

Detecting congenital abnormality

Rs 3/5 lakh

SBI Arogya Premier Plan

Covers maternity expenses after 9 months of the waiting period


Rs 10 lakh and Rs 30 lakh

Universal Sompo Complete Healthcare Insurance

Covers almost all the medical expenses including childbirth and pregnancy expenses, pre and postnatal expenses, new born baby cover up to 90 days and complicated deliveries


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

Choosing the Right Health Insurance Policy Matters

Thus, choosing the right policy matters when it comes t covering maternity. Care must be taken to ensure that the plans and coverage provided are from genuine and valid source. Due to the increasing competition in this field, many hoaxes, too, can come up leading a person into a financial crisis later on or at the time of a claim. Hence, one should be extra careful at the time of buying. It is always recommended to compare the plans of the basic of their offerings.

In a Nutshell!

No doubt, opting for maternity health insurance is one of the best ideas a family can take up, which would prove not to sacrifice their joy of welcoming a new member into their life as well as take care of the burden of medical expenses revolving around this process.


Written By: Paisawiki - Updated: 24 March 2021

You May Also Want to Know About

Best Health Insurance Companies in India 2021

Best Health Insurance Companies in India 2021

Best Health Insurance Companies in India 2021 Agent: Sir, what type of health policy do you want? Buyer: Yaar kuch bhi de de, sare to same he hote hai almost. Agent: No sir, there are multiple types as per the requirement. Buyer: Achcha, policy...
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 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 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 ...