Top Health Insurance Plans with Maternity Coverage in India

Understanding Maternity Coverage

In an era of high medical inflation, having comprehensive health insurance is crucial for everyone. However, for anyone who is planning to start a family in the coming few years, buying maternity coverage becomes all the more necessary. Regular health insurance plans typically do not cover maternity expenses. In cases where maternity coverage is available, you generally have a waiting period of 3 to 4 years. In some plans, you have the option of adding a maternity coverage rider to your base plan.

In such cases, however, the coverage may not always be sufficient. There may be certain caps and limits on the expenses. Therefore, opting for a maternity cover can be a more prudent option.

Choosing the Right Maternity Coverage

When you come to explore the market, you will see a plethora of options. Finding the right match can be not only time-consuming but also confusing. To help you shortlist, the checklist below outlines the key factors to consider when selecting the right maternity cover health insurance plan.

Check the Waiting Period

Every health insurance plan comes with a waiting period, which varies depending on the type of treatment. Most maternity insurance plans come with a waiting period ranging from 9 months to 4 years. This makes it crucial for you to choose a plan that aligns with your plan for starting a family. Buying a policy early can help you easily serve the waiting period and obtain coverage at the right time.

Look at Coverage Inclusions

This is yet another essential aspect to consider. A good maternity plan should go beyond just delivery expenses. Make sure the plan includes: prenatal consultations and diagnostic tests, both normal and cesarean deliveries, newborn care, vaccinations and postnatal care for the mother.

Checks the limits

It is essential to review the policy documents when selecting a plan carefully. Keep a careful eye on the limits and restrictions on the coverage. For example, most plans may have a set limit for the room rent or may not allow a single-room stay.

Hospital network

While almost all health insurance companies allow cashless hospitalisation, it is best to check the hospital network in your vicinity. If you have a preferred doctor or hospital, you should check if they offer cashless services.

Compare different policies

Your budget plays a significant role in choosing the right policy, so ensure you select a plan whose premium you can comfortably afford. Also, keep in mind that while a lower premium may sound attractive, it could mean limited coverage. I prefer a plan that is affordable yet offers extensive coverage.

Top Health Insurance Plans with Maternity Coverage in India

At Jio Insurance Broking, we try to bring you the best possible maternity health insurance plans. However, please keep in mind that different plans may offer different coverage, so it is best recommended that you take your time and choose a plan that best suits your needs. Listed below are some of the most popular plans:

Tata AIG MediCare Premier Plan

• Ideal plan for extensive health insurance coverage
• Offers maternity health insurance
• Sum insured from ₹5 lakh to ₹3 crore
• Offers global coverage

Care Health Joy Health Insurance Plan

• A maternity health insurance plan
• Covers hospitalisation and maternity
• Offers newborn baby cover for 90 days
• Offers daycare treatments

Chola MS Family Healthline Insurance Plan

• Offers maternity coverage with the Prilege Plan variant
• Newborn baby hospitalisation is covered up to the sum insured
• Pre and post-hospitalsation

ICICI Lombard Elevate

• A flexible health insurance plan
• Allows maternity coverage, newborn baby coverage as add-on benefits
• Enjoy up to 30% discounts for staying active
• Waiting period can be customised
• Get the sum insured reset

Why Maternity Coverage Is Important?

While parenting is often considered a joyous journey, it requires careful planning. Pregnancy and childbirth involve several medical expenses, including your doctor visits, diagnostic tests, hospital stays, delivery charges, and newborn care. If you are not well-prepared, these costs can add up quickly and put a strain on your finances. Moreover, complications during pregnancy or childbirth can lead to unexpected medical bills.

In such a scenario, having the right coverage gives you peace of mind during such a crucial time. Therefore, maternity coverage is a vital part of health insurance for couples planning to start a family.

In Conclusion

For financially savvy couples like Sanjeev and Sandhna, maternity insurance isn’t just a backup plan; it’s a smart step toward ensuring a stress-free, healthy start to parenthood. With the way healthcare expenses are rising, the right maternity insurance plan can protect your savings. Rather than spending your hard-earned money on hospital bills, you can save it up to give your child a better future.

Remember, maternity coverage is not just about saving money. Rather, it is about protecting your health, ensuring your baby’s well-being, and embracing the joy of parenthood.