Maternity Health Plans

Cherish the experience of parenthood without worrying about hospital expenses with maternity plans
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OneInsure Benefits

Buying a health plan with maternity cover is not the end of your journey, and we understand that. With OneInsure, experience the new way of purchasing, managing, and getting service support on all types of policies.

Claim Assistance

Right from helping you file a claim until its settlement, we've got everything covered!

Service & Support

Round-the-clock assistance from our team of subject matter experts on all types of health policies for a lifetime

Competitive Rates

Compare health insurance plans and get the right policy at the most competitive rates

OneInsure App

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Buying Advice from the Pros

Here are some time-tested nuggets of wisdom from the desk of our in-house insurance gurus

Don’t Postpone

Maternity plans come with a waiting period of 3 – 6 years, so it is crucial for a couple to plan well in advance to be able to avail the benefits.

Get the Add-on Boost

While cost of delivery will range between INR 60,000 to 2,00,000, maternity cover will come with a capping sub-limit of close to INR 30,000. Opt for an add-on to boost your sum insured.

Always with a Health Plan

Maternity cover (except some rare plans) always comes inbuilt with or as an add-on along with a health insurance policy. So, do not choose a plan keeping in mind solely maternity-related needs.

Why Maternity Cover Is a Must These Days

Maternity cover helps you beat the rising cost of hospitalization for childbirth in India

Coverage

Considering the rising costs of delivering a baby in a private hospital, it’s best to be prepared in advance and get an adequate maternity cover so you do not have to pay out of your own pocket.

Quality Treatment

Maternity cover not only ensures quality treatment but also helps you cherish one of the best moments of your life without worrying about hospital expenses.

Extended Cover for New-born

In case the new-born is diagnosed with some critical illness or certain disorders, the benefits of the maternity cover are also extended to the new-born, providing comprehensive coverage.

FAQs

Know what you are buying! Before you make up your mind about your policy, it is recommended to go through our FAQs to understand the different aspects of the policy you intend to buy.

What is maternity insurance?
Maternity is a unique boon given to every woman. Although this is a beautiful experience for a woman, it does burn a hole in the pocket because of the costs involved, which includes delivery charges, pre- and post-natal expenses, along with post-birth care, vaccination, and maternity-related OPD expenses like the cost of medicines, drugs, ambulance charges, hospital stay, and others.
This is why a maternity mediclaim policy is crucial for a couple that is planning a family or planning to have more kids. It reduces the load of expenses that comes along with motherhood. Maternity insurance lets a woman enjoy the experience of being a mother without worrying about financial repercussions.
What do I need to know about a maternity policy?
Maternity insurance policy coverage is usually available in the form of a rider or top-up option along with your health plan. Here are a few things to consider before opting for a maternity plan or rider:
  • Waiting Periods: Generally, there is a waiting period of 3 – 6 years for maternity claims depending on the insurer. So, one should buy maternity cover as early as possible.
  • What Am I Covered For: Typically, maternity costs include delivery charges, pre- and post-natal expenses, along with post-birth care, vaccination, and maternity-related OPD expenses like the cost of medicines, drugs, ambulance charges, and hospital stay along with new-born cover up to 90 days.
It is important to note that even if your maternity cover is exhaustive, not all expenses will be covered. Make a note of the inclusions so you know what will be the expenses for which you will be paying out of your own pocket.
What are the inclusions in maternity health insurance?
Maternity insurance is mostly available as a rider option in many health insurance policies or as a top-up option. Hence, it’s tricky to understand what is included. But here’s a concise list for your ready reference:
  • Pregnancy-related hospitalization expenses: Pre-hospitalization expenses up to 30 days prior to the date of delivery and post-hospitalization expenses up to 60 days generally covered.
  • Hospitalization cost: This consists of nurse and surgeon charges, room charges, medical practitioners’ fee, emergency ambulance charges, anaesthetist charges, and consultation charges.
  • Delivery expenses: Expenditure related to both normal and Caesarean delivery along with post-delivery complications for the mother is covered.
  • Check-ups: Pregnancy-related day-to-day health check-ups are covered.
  • New born cover: Check-ups of the new born baby till 90 days for diagnosis of any health issue or critical illness.
What are the exclusions in maternity health insurance?
The following are the exclusions that one would typically find in a maternity plan:
  • Pregnancy termination: Termination within 12 weeks of conceiving is not covered.
  • Ectopic pregnancy: If the fertilized egg attaches itself someplace other than the uterus, then such a pregnancy is not covered.
  • Age of insured: For claiming maternity benefits, the insured generally has to be below 45 years of age.

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