A journey of happiness and new responsibilities, including financial planning, comes with becoming a parent. Medical bills can pile up rapidly, from prenatal exams to delivery charges and postpartum care. Maternity insurance is important in this case since it guarantees that both the mother and the unborn child receive high-quality medical care without worrying about the cost.
This blog explores the importance of maternity insurance, its coverage, and the necessary factors for people who plan to have children in 2025.
Why Are Maternity Insurance Plans Essential?
Maternity charges in India have risen significantly over time. A standard delivery at a private medical center can bring anywhere starting from ₹ 50,000, while a C-section can go up to ₹1,00,000, - 2,00,000 depending on the city and medical center. A maternity insurance plan helps conceal these costs, assuring that you get adequate care without fussing about finances.
Key Benefits of Maternity Insurance Plans
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Covers Hospitalization costs, including charges for both normal and C-section deliveries.
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Pre & Postnatal care covers doctor consultations, ultrasounds, and post-delivery check-ups.
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Newborn Baby covers some plans that offer content for the infant’s medical charges for many months.
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With cashless Hospitalization, there is no need to pay out of pocket; insurance companies settle bills directly with network hospitals.
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Complications & Extremities cover pregnancy-related complications and medical extremities.
Top 5 Maternity Insurance Plans in India (2025)
Care Joy Maternity Insurance Plan
Eligibility: Adults aged 18 to 65 years.
Waiting Period: 9 months.
Sum Insured Options: ₹3 lakh and ₹5 lakh.
Key Features: Covers maternity and newborn expenses, including pre-and post-hospitalization costs.
https://www.policyx.com/health-insurance/religare-health-insurance/joy-maternity-plan.php
Star Women Care Insurance Plan
Eligibility: Women aged 18 to 75 years.
Waiting Period: 24 months.
Sum Insured Options: ₹5 lakh to ₹1 crore.
Key Features: Provides coverage for maternity expenses, including assisted reproductive treatments.
https://www.policyx.com/health-insurance/star-health-insurance/star-women-care.php
Niva Bupa Aspire Health Insurance Plan
Eligibility: Adults aged 18 years and above.
Waiting Period: 9 months.
Sum Insured Options: ₹3 lakh to ₹1 crore.
Key Features: Includes coverage for maternity expenses related to IVF and surrogacy.
https://www.policyx.com/health-insurance/max-bupa-health-insurance/aspire-plan.php
Future Generali PowHER Health Insurance Plan
Eligibility: Women aged 18 to 65 years.
Waiting Period: 12 months.
Sum Insured Options: ₹5 lakh to ₹2 crore.
Key Features: Offers maternity coverage along with other women-centric health benefits.
https://general.futuregenerali.in/health-insurance/women-insurance
Aditya Birla ActivOne Maternity Plan
Eligibility: Women aged 18 years and above.
Waiting Period: 3 months (available under a 3-year policy tenure).
Sum Insured Options: Varies based on the chosen plan.
Key Features: Provides coverage to women who are already pregnant, with one of the shortest waiting periods in the industry.
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How to Handpick the Best Maternity Insurance Plan?
While opting for a maternity insurance plan, keep the following factors in mind.
1. Waiting Period
Most maternity insurance plans come with a waiting period of 2- 4 years. However, choose a policy with a shorter waiting period if you are planning to have a baby soon.
2. Coverage Amount
Look for plans that offer at least ₹ 3- 5 lakh coverage for maternity charges to ensure you don’t have to pay redundancy from your fund.
3. Newborn Baby Cover
Some plans give medical cover for the baby for the first 90 days or up to a time. Choose a plan that includes this benefit.
4. Network Hospitals
Conclude for an insurer with a wide network of hospitals for cashless treatment convenience.
5. Premium & Affordability
Compare the different plans and choose one that fits your budget while furnishing the best benefits.
Frequently Asked Questions (FAQs)
1. When to consider a maternity insurance plan?
Since most maternity plans have a waiting period of 2- 4 years, it's essential to buy a plan as early as possible — immaculately before planning a baby.
2. Can I get maternity insurance if I'm formerly pregnant?
No, most insurance firms don’t cover existing pregnancies under maternity plans. However, you can review group insurance programs offered by many agencies, as some corporate programs may provide coverage.
3. Do motherliness insurance plans cover IVF or fertility treatments?
Some high-end plans offer coverage for gravidity treatments like IVF, but they're generally limited. Read the policy details precisely before buying.
4. What happens if I've got halves?
Most plans cover delivery charges for multiple births, but it’s always good to check the fine print for any sub-limits.
5. Can I claim tax benefits on maternity insurance?
Yes! Under Section 80D of the Income Tax Act, you can claim tax deductions for the decoration paid towards health insurance, including maternity benefits.
Final Thoughts
With the correct maternity insurance plan, you may avoid expensive medical bills while still getting the best care for both you and your unborn child. A stress-free pregnancy relies on careful planning, especially since healthcare prices keep rising.
Analyze all of your maternity plan options, look up waiting periods, and select a plan that works for you before finalizing a policy. Investing in a maternity insurance plan now can help secure the future happiness of your family, regardless of whether you are newly married or plan to become pregnant.