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All about maternity insurance

The journey to parenthood is filled with excitement, anticipation, and joy. However, amidst the joyous moments, there are also financial considerations that need careful planning. Maternity insurance emerges as a crucial tool in ensuring financial security during the childbirth process.

In this comprehensive guide, we delve into the intricacies of maternity insurance, covering its significance, coverage details, exclusions, eligibility criteria, and key factors to consider when purchasing a policy.

What is Maternity Insurance?

Maternity insurance, also known as pregnancy insurance, is a specialised insurance product designed to cover expenses related to childbirth. It can be availed either as a standalone policy or as an add-on cover to an existing health insurance plan, typically requiring an additional premium. Maternity insurance falls under the umbrella of health insurance and serves to alleviate the financial burden associated with pregnancy and childbirth.

Significance of Maternity Insurance

In recent years, the cost of childbirth has witnessed a significant rise, making maternity insurance an indispensable tool for expecting parents. With expenses ranging from pre-hospitalization to postnatal care, including medical treatments for the newborn, maternity insurance provides a financial safety net during this critical phase of life. Additionally, rising medical inflation underscores the importance of planning ahead and securing adequate coverage to mitigate potential financial risks.

Coverage Details

Maternity insurance offers a comprehensive coverage package tailored to meet the diverse needs of expecting parents. Key inclusions typically encompass:

  • Pre-hospitalization and Post-hospitalisation Expenses: Coverage extends to expenses incurred up to 30 days before delivery and 60 days post-delivery for both the mother and the newborn.
  • Delivery Expenses: Whether it’s a normal delivery or a cesarean section, maternity insurance covers hospitalization expenses, including room rent, surgical charges, anaesthetist fees, and doctor consultations.
  • Newborn Baby Cover: Most policies extend coverage to the newborn for a specified duration, typically up to 90 days from birth. This includes medical expenses related to congenital disorders and post-birth complications.
  • Pre- and Post-natal Care: Expenses related to prenatal check-ups, diagnostic tests, and postnatal care are covered under maternity insurance, ensuring comprehensive support throughout the pregnancy journey.
  • Vaccination Cover: Maternity insurance often includes coverage for essential vaccinations required during infancy, offering protection against various diseases.


While maternity insurance provides extensive coverage, certain exclusions may apply. It’s essential to understand these exclusions to avoid any misconceptions. Common exclusions include:

  1. Pre-existing diseases affecting pregnancy
  2. Congenital diseases
  3. Treatment expenses related to infertility
  4. Costs of supplements, diagnostic tests, and frequent doctor consultations

Eligibility Criteria

In India, maternity insurance is primarily offered as an add-on benefit to health insurance policies, exclusively for women. Eligibility criteria typically include:

  • Women aged between 18 to 45 years
  • Absence of congenital disorders or conditions affecting fertility
  • Adherence to waiting periods set by insurers, typically ranging from 9 months to 36 months
  • Key Factors to Consider – When purchasing maternity insurance, several factors warrant careful consideration:
  • Comparative Analysis: Compare insurance companies and their plans to identify the most suitable option.
  • Waiting Period: Understand the waiting period stipulated by the insurer before becoming eligible to claim maternity benefits.
  • Coverage and Exclusions: Familiarize yourself with the coverage details and exclusions to assess the adequacy of the policy.
  • Premium Calculation: Maternity insurance premiums are higher due to the certainty of claims. Conduct a cost-benefit analysis to ensure affordability.
  • Policy Features: Pay attention to features such as sub-limits, co-payments, and renewal terms to make an informed decision.


Maternity insurance plays a pivotal role in ensuring financial preparedness during the childbirth journey. Providing comprehensive coverage for pregnancy-related expenses offers peace of mind to expecting parents, allowing them to focus on the joyous occasion of parenthood without the burden of financial concerns. Understanding the intricacies of maternity insurance and selecting an appropriate policy can pave the way for a smooth and worry-free pregnancy experience.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. The information is based on various secondary sources on the internet and is subject to change. Please consult with a financial expert before making investment decisions.
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