What is Maternity Health Insurance?

Having a baby can be one of the most beautiful experiences in life. However, unless you are adequately prepared, it can also be a very anxious time. Having one extra member in the family means added expenses. So it’s important to prepare not just emotionally but also financially. This is where maternity health insurance comes to the rescue. It is designed to cover medical expenses that occur during a pregnancy. A maternity insurance policy includes pre-natal check-ups, cost of hospitalization at the time of delivery, post-natal treatment, etc., taking the financial burden off your shoulders!

What is the importance of Maternity Health Insurance?

Pregnancy brings a lot of joy and cheer. But it also carries with it a lot of extra expenses. Pregnancy and related complications are not covered by normal Health Insurance Policies. So, it is important for a couple to plan properly to meet these additional costs.

Almost all major companies in India provide health insurance with maternity coverage for their employees. However, there is a limit to this cover. Hence, it’s always wiser to take a personal Maternity Insurance Policy.

You can buy a stand-alone Maternity Insurance Policy or as an add-on to an existing Health Insurance Policy.

  • Technology has enabled us to monitor a baby’s movements and heartbeats inside the womb. Deformities in the baby can also be traced before its birth. There are also tests that can monitor the mother’s health. However, all these cost a lot. A Maternity Insurance Policy can take care of all such expenses.
  • Some policies cover the expenses of the new-born baby for a few days. They also cover most of the prescribed vaccinations.
  • Most policies cover both normal and complicated deliveries. Some also offer new born baby care in hospital. These may also provide protection against congenital diseases.
  • Post-delivery complications are also covered by most Maternity Health Insurance Policies.

What is the right time to take Maternity Health Insurance?

Most Maternity Health Insurance Policies have a waiting period of about 2-4 years. Also, most companies do not give maternity coverage to an already pregnant woman. Additionally, there is an age cap for the maternity cover. Considering all this, it’s better to buy a Maternity Insurance Policy well before you plan to conceive.

Common Exclusions & Inclusions in Maternity Health Insurance

  • Delivery Procedure Expense – Normal / Caesarean Section.
  • Hospitalization, including the room rent, doctor’s fee, nurse’s charges, medicines etc.
  • Pre and post-natal charges.
  • Child Cover for certain complications.
  • Hospitalization arising out of any maternity related issue. This can be either in the pre-natal period or post the pregnancy. Usually this is for about 30 days in the pre-natal period and 60 days after the delivery.
  • Emergency ambulance charges, if incurred.
  • Vaccination costs of the baby for up to a period of 1 year.
  • Routine visit for consultation with the doctor.
  • Diagnostic Tests undertaken during pregnancy.
  • Cost of supplements and vitamins etc., unless specified in the policy.
  • Expenses that arise out of an ectopic pregnancy.
  • Artificial or in-vitro methods of fertilization
  • Any additional cost beyond the capping limit.
  • Any non-allopathic treatments undertaken.
  • Any expense that is a result of a self-inflicted injury.
  • Treatment needed due to drug or alcohol abuse.

Maternity Health Insurance Policies/Add-ons Offered by Various Companies

Plan nameCoverageMaximum Maternity BenefitApprox Premium*Waiting Period
Religare Maternity Insurance – Joy Today

Up to 2 deliveries

New born cover

Rs. 35,000 – 50,000

Rs. 30,000 – 50,000

Rs. 17,0009 months
Apollo Munich Family Easy Health Premium

Up to 2 deliveries

New born cover


Rs. 30,000 for normal delivery and Rs. 50,000 for caesarean delivery, all inclusiveRs. 20,0003 Years
SBI Arogya Premier

Up to 2 deliveries

New born cover

Rs. 15,000 for normal delivery and Rs. 25,000 for Caesarean Section, all inclusive, except vaccinations

Depending on plan

Rs. 14,5009 months
HDFC ERGO My Health Medisure Classic

Up to 2 deliveries


Rs. 15000 for normal delivery and Rs. 25000 for Caesarean Section, all inclusive

Rs. 15000

Rs. 4,0004 Years
Max Bupa Heartbeat Gold

Up to 2 deliveries or terminations

New born cover

Vaccinations for 1st year

Rs 40000-1 Lakh, all inclusive

Rs. 11,000 (SI 5 lakh)2 Years
Star Health Wedding Gift Insurance Cover

Up to 2 deliveries

New born cover

Lump sum for Cerebral Palsy and Down’s Syndrome

Test for detecting congenital abnormality

Rs. 15000-20000 for normal delivery and Rs. 20000-25000 for Caesarean Section

Rs. 30000-50000

Rs. 60000-1 Lakh

Rs. 1000

Rs. 13,0003 Years

Note: Assuming a healthy 27-year old woman and sum insured of Rs 3 lakhs, except Max Bupa. Max Bupa has a minimum SI of 5 lakhs.


Pregnancy is a very important part of life, so it is wiser to understand the financial implications of pregnancy and choose a maternity insurance policy that will take care of the major expenses. Understand all the inclusions and exclusions before making a final decision. Maternity Insurance Plans are generally quite expensive. So choose either a stand-alone maternity insurance plan or an add-on based on your financial situation and requirement. Or, just choose Turtlemint. We are always there to guide you every step of the way.

Why Choose Turtlemint?

Turtlemint provides a one-stop destination for all your maternity insurance needs that is quick, simple and convenient.

  • Compare all maternity health insurance policies in India with one click and find the best one.
  • Calculate the premium using our free premium calculator to understand the cost.
  • Contact our experts to resolve any queries through online chat or telephonic discussions.
  • Download all brochures and policy documents from one place.
  • Buy the best maternity insurance policy online at Turtlemint.
  • Do maternity insurance online renewal quickly.


Most of the regular health insurance companies provide maternity health insurance as well. Either as a stand-alone plan or as an add-on.

There is a limit on the coverage. Refer above for details on some leading maternity health insurance plans and their coverage.

Different companies have different waiting periods. Though the average is between 3-4 years, some insurance companies have a low waiting period of 9 months.

Some regular health insurance policies include maternity cover as well.

Unless it is a group policy, no health insurance company will allow an already pregnant person to buy maternity insurance.

Some insurance companies cover the baby from birth till 90 days. After this period, the baby can be included in the family floater policy.