Top 6 Health Insurance Plans With Maternity Cover

What is the Maternity Cover Health Insurance Plan?

A maternity insurance plan, also called pregnancy insurance, covers medical costs during and after pregnancy. It pays for doctor visits before birth, hospital stays, delivery, and sometimes care for the newborn. This type of plan helps reduce the cost of childbirth and makes sure both mother and baby get the care they need.

Why You Should Buy the Best Health Insurance with Maternity Cover?

There are many good reasons to get maternity health insurance. Some of them are as follows:

• It helps you cover expensive pregnancy and delivery costs.
• It protects both you and your baby with prenatal and postnatal care.
• You get benefits like newborn care and vaccinations.
• It supports you financially during hospitalization and related treatments.
• It gives you peace of mind by reducing unexpected medical bills.
• You can enjoy tax benefits on the premiums you pay.
• It provides you access to a range of maternity-related health services in one plan.

To understand Health Insurance Plans with Maternity Cover, let's go through their inclusions and exclusions:

Inclusions of Maternity Health Insurance

Here are some of the usual inclusions of maternity cover health insurance plans in India:

• Before and After Birth Care It pays for your doctor visits, tests, and medicines during and after your pregnancy.
• Hospital Stay It covers your hospital room, nursing care, and other related costs when you go for delivery.
• Delivery Charges Whether you have a normal or cesarean delivery, it helps you manage the expenses.
• Baby’s First Care It also takes care of your baby’s early needs, like check-ups and vaccinations.
• Existing Health Issues Some plans cover your pre-existing maternity-related health conditions.

Exclusions of Maternity Health Insurance

Generally, the following expenses are not covered in a maternity health insurance plan:

• Already Pregnant If you are already pregnant, you will not get the coverage. It is better to get insurance before planning a baby.
• Unapproved Treatments Some treatments that are not approved by medical boards are not covered. Always check if your treatment is accepted.
• Extra Costs The policy may not pay for non-medical items like baby clothes or diapers.
• Multiple Births If you are having twins or more, then check if the policy covers multiple babies.
• Late Purchase Buying insurance after pregnancy may have limits. It is best to buy it in advance.

List of the Best Pregnancy Insurance Plans In India

Aditya Birla Activeone Maternity Plan

Here are the benefits that this maternity health insurance plan offers to the insured:

• Full coverage: Aditya Birla maternity insurance offers full coverage. It includes pregnancy, newborn care, birth defects, hospital stays before and after delivery, daycare treatments, room rent, and more.
• Early Purchase Discount: If you buy the policy before the age of 35, you get an early bird discount. This applies only when you buy the plan for the first time.
• Quick Customer Care Service: The company is known for fast and helpful service. They settle claims quickly and solve customer problems efficiently.
• Tax Benefit to Insured: You can also get tax benefits on the premium under the Income Tax Act.
• Discount Reward on Premium: The plan offers health returns. If you stay active and follow healthy habits, you can earn back up to 50% of your premium as rewards.

Care Joy Tomorrow Plan

Here are the key benefits included in this maternity cover health insurance plan for the insured:

• Combined Coverage: It offers a perfect mix of health and maternity insurance, including hospital expenses.
• Newborn Baby Cover: It provides coverage for your newborn for the first 90 days after birth.
• Daycare Treatments: This plan covers over 540 daycare procedures that don’t require 24-hour hospitalization.
• Easy Claim Process: This maternity policy ensures quick, smooth, and hassle-free claim settlements.
• Tax Benefit: Get tax benefits on health insurance premiums under the Income Tax Act, 1961 (subject to change).
• Free Lock-in Period: You have 30 days to cancel the policy if you are unsatisfied. In case of no claim, you can get the refund after deducting applicable charges.

Star Women's Care Insurance Plan

This maternity health insurance plan provides the following core benefits to the insured:

• Mid-Term Inclusion: You can add a newly married spouse, newborn, or legally adopted child during the policy term by paying an extra premium. Waiting periods apply from the date the insured is added.
• Maternity Benefit: It covers expenses for both normal and C-section deliveries, including pre- and post-natal care, as per policy limits.
• Reproduction Treatment: It covers costs for proven assisted reproduction treatments for sub-fertility, up to specified limits.
• Newborn Hospitalization: It covers hospitalization and vaccination expenses for newborns up to 12 months of age.
• Antenatal Care (Pregnancy Care): Outpatient expenses for pregnancy care after confirmation are covered within set limits.
• Optional Cancer Cover: It offers a one-time lump sum payment on the first diagnosis of cancer, available as an optional add-on.

Tata AIG Premier Medicare Plan

Let’s go through the features and benefits of the TATA AIG Premier Medicare plan:

• Daily Cash for Shared Room: It provides a daily cash benefit if you choose shared accommodation during hospitalization.
• Daily Cash for Child Companion: It offers daily cash to the person accompanying a hospitalized child under 12 years of age.
• Second Medical Opinion: It covers the cost of getting a second opinion from network doctors for specific illnesses.
• Worldwide Coverage: You get coverage for hospital stays and daycare treatments outside India, if the illness is diagnosed in India.
• Automatic Sum Insured Restoration: If you use up your coverage before renewal, 100% of the sum insured is automatically restored.

Niva Bupa Health Premia Plan

Here are some features of the Niva Bupa Health Premia Plan:

• Higher Coverage Options: It helps to choose from a range of sum insured options up to ?3 Crore, based on your needs.
• Worldwide Maternity Cover: It covers maternity expenses worldwide after a waiting period (not available in individual plans). Also includes newborn coverage from day one, along with specified vaccinations.
• Inpatient Care: It covers hospital expenses like room rent, doctor fees, medicines, and daycare treatments. Also includes treatments under Ayurveda, Unani, Siddha, and Homeopathy.
• Day Care Treatments: It covers procedures like dialysis, angiography, and endoscopy that don’t require overnight hospital stays.
• Pre and Post-Hospitalisation: It pays for medical expenses before and after hospitalisation, up to the sum insured.

ICICI Lombard Elevate

Here are the features of the ICICI Lombard Elevate plan:

• Full Coverage: This covers your pre- and post-natal expenses as per the policy terms.
• Waiting Period: You must wait 24 months from the date you opt for this cover.
• Applicable to: This applies to any female insured person aged 18 to 50 years, as selected by you.
• ?Domiciliary Hospitalization: It pays for the cost of domiciliary hospitalization of at least 3 cons days in case admission to a hospital is not possible.
• Bariatric Surgery Cover: It covers the hospitalization expenses incurred on availing a surgical procedure/treatment for obesity.
• Inpatient Hospitalization for Surrogate Mother: It pays for the inpatient hospitalization expenses incurred by the surrogate mother and post-partum delivery complications.

Conclusion

Buying maternity health insurance is a smart choice for anyone planning to start or grow their family. It helps to cover the high costs of pregnancy, delivery, and newborn care by giving you financial peace of mind. With benefits like coverage for prenatal and postnatal care, vaccinations, and hospitalization, it ensures the best medical support for you and your baby. By choosing to buy maternity health insurance, you protect your health and finances by making this important life event less stressful and more secure for you and your loved ones.