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Buy Health Insurance Policy with Maternity Coverage Online in 2025

Becoming a parent is a life-changing journey filled with joy, excitement, and countless preparations. But with the dreams of welcoming a baby many people might overlook the expenses incurred in maternity.

From diagnostic tests and delivery to postnatal care, the expense of pregnancy could add up very quickly making it difficult for the parents to handle this financial burden. This is when maternity coverage in health insurance becomes important.

Remember, parenthood comes with a responsibility, and it starts with the correct financial coverage! 🙂

Team Digit

Maternity Cover in Health Insurance?
Why You Need Maternity Cover?
Who Can Benefit from Maternity Cover?
When Should You Opt?
What’s Covered and Not Covered?
Waiting Period for Maternity Cover
Eligibility Criteria
Process to Claim Maternity Insurance
Documents Required
What Makes Maternity Cover Important?
Things to Know
Frequently Asked Questions

What is Maternity Cover in Health Insurance?

Maternity cover is an add-on cover one can opt for in a health insurance plan that covers all maternity-related expenses.

Anyone with an existing or new health insurance plan can include this benefit for themselves or their spouse so that whenever the time arises, all your maternity expenses towards the delivery of a baby and/or treatment related to any complications in the pregnancy or medically necessary termination can be covered and taken care of by us.

Additionally, the cover also compensates for expenses arising out of fertility issues and the newborn baby’s hospitalization charges due to any medical complications, and vaccination charges, up to 90 days from the date of delivery.

Disclaimer: Currently, Digit does not offer any Maternity coverage with our Health Insurance.

Why Do You Need Maternity Cover in Health Insurance?

Maternity Cover in Health Insurance Simplified

Welcoming a new life is beautiful, but are you prepared for the unexpected expenses that come with it?

With maternity coverage in health insurance, you can focus on the joys of parenthood without worrying about financial burdens. It supports hospitalization and delivery expenses, ensuring a stress-free experience for expecting families.

Watch this video to discover how maternity coverage works and why it's essential for every family.

Who Can Benefit from a Maternity Cover in Health Insurance?

Planning for a family is one of life’s most joyous moments, but it comes with a financial burden. This is when a maternity cover is important. Mentioned below are the people who can benefit from maternity cover:

Newly married couples who plan on starting a family at least in the next two to three years
Who are planning to get married soon and have a baby in the next two to three years
Those who already have one kid but are planning for the next child at least in the next two years
Couples who aren’t planning for a child anytime soon but would still like to be safeguarded

When Should You Opt for Health Insurance with Maternity Cover?

One important step in buying health insurance is securing maternity coverage at the right time. Here is when you must opt for maternity coverage in health insurance:

Early Parenting Planning

It's never too early to begin planning to become a parent. Pregnancy insurance is advantageous when you are in the family planning stage.

Future Financial Comfort

Having a child is unquestionably a happy occasion, but it involves costs. Pregnancy insurance lessens the financial strain of postpartum, maternity care, and delivery costs and provides financial security during these times.

For Unexpected Complications

Although everyone hopes their pregnancy goes well, unanticipated problems might happen. Pregnancy insurance ensures you get the support you require without worrying about related expenses by covering unforeseen medical issues.

Workplace Coverage Gaps

Certain places of employment don't offer full maternity benefits. If your employer's coverage is inadequate, pregnancy insurance is an additional plan to bridge the gaps and provide complete coverage for all your requirements.

What’s Covered under a Maternity Insurance Policy?

Maternity health insurance covers the expenses incurred when a mother is about to deliver. But, the coverage does not end here. Here is what is covered under the maternity health insurance:

Prenatal Care

Maternity insurance policies usually cover prenatal care costs, such as regular checkups, consultations, diagnostic testing (such as blood tests and ultrasound scans), and prescription drugs.

Postnatal Care

Maternity insurance pays for the mother's and the baby's postnatal care costs after delivery. This covers prescription drugs, follow-up appointments with medical professionals, and other therapies required to promote healing.

Coverage of Newborn Baby

Many maternity insurance plans cover newborns for a pre-determined amount of time after birth. This plan usually covers newborn care, immunizations, regular pediatric checkups, and any necessary medical treatments.

Hospitalization Costs

Your maternity insurance will cover you if you must stay in the hospital on the big day. You may concentrate on the wonderful moment without worrying about the bills.

Delivery Fees

Your insurance helps pay for the delivery costs, whether standard or special, through C-section. So, you can enjoy the wonderful times without worrying about the healthcare fees.

Pre-Existing Disease Condition

Some maternal health insurance policies cover pre-existing diseases and even include the cost of any previous maternity-related conditions under a special clause.

Disclaimer: Currently, Digit does not offer any Maternity coverage with our Health Insurance.

What’s Not Covered under Maternity Health Insurance?

Understanding the Waiting Period for Maternity Cover in Health Insurance

In simple words, the waiting period in health insurance is the amount of time you must wait before you are eligible to begin receiving benefits under Maternity Coverage in Health Insurance. Pregnant women benefit greatly from this measure, which guarantees them some financial help while on maternity leave.

How does the waiting period work, then?

Well, the waiting period often begins on the day that a new policy starts working. Generally, it lasts between two to four years, depending on the policy.

You can start receiving maternity benefits as soon as you fulfil this requirement! To give you the time and assistance you need to care for yourself and your new baby, these benefits usually include paid leave for a certain amount of time before and after giving birth.

Eligibility Criteria for Maternity Health Insurance

Individuals and families who intend to obtain complete healthcare coverage during the maternity period must be aware of the eligibility requirements for maternity health insurance:

What is the Process to Claim Maternity Insurance Benefits?

Filing a claim during pregnancy is a simple and easy procedure. The hospital you select will determine the claim procedure. You can file a cashless claim if you have chosen a network hospital, or you can use a reimbursement claim procedure if you have chosen a non-network hospital:

Cashless Claim

Step 1: Notify your insurer and select a network hospital for your treatment before being admitted to the hospital.

Step 2: Show your e-health card at the network hospital helpdesk and ask for the pre-approval.

Step 3: Fill out and sign the form and submit it to the helpdesk.

Step 4: After verification, the insurance company will take care of the cost involved in the treatment.

Reimbursement Claim

Step 1: If you select a non-network hospital or your cashless claim is rejected, keep all the medical bills, reports, and other essential expense documents with you.

Step 2: After treatment, contact your insurer and provide them with all the soft copies of the documents and bank account details for reimbursement of expenses.

Step 3: The insurer will verify the documents, and you will receive a reimbursement for the treatment.

Documents Required For Claim Process

Before filing a claim for a maternity health insurance plan, you must have valid proof of certain documents, without which the claim cannot be processed. Here is a list of important documents that are required during maternity claim:

Identification Proof: Adhar Card, PAN Card, Passport, etc.
Policy Document: Keep a copy of your policy document handy.
Claim Form: Fill in all the details of your claim form and submit it.
Invoices and Medical Records: Keep all the invoices, consultation fees and other documents handy.
Maternity Certificate: Ask your doctor or hospital for a pregnancy certificate.

What makes Maternity Benefit so Important for Young Couples?

Financial Security

Stay financially secure during one of the most important moments of your life. A maternity benefit cover in your health insurance will ensure you don’t need to spend much from your savings and will ensure you have a stress-free delivery and onset of parenthood.

Relaxing Onset to Parenthood

A maternity benefit cover does not only cover expenses during delivery but, also covers your newborn baby up to its first 90 days (covering for any medical complications and required vaccinations), so you can relax, recover and relish the beginning of your new journey.

Valuable Longterm Benefits

Some Maternity covers provide additional benefits on the Sum Insured when you have a second child.

Cover Against Medically Necessary Terminations

Have the option to medically terminate your pregnancy in case the need arises. The maternity benefit cover offered by us covers medically necessary and lawful terminations of pregnancies.

Peace of Mind

Peace of mind. Our babies are our bundle of joy, and we don’t want to take that away from you by stressing you about the expenses. A Maternity Cover has your back!

Things to Know About Maternity Cover in Health Insurance

From the waiting period to coverage details, understanding maternity insurance is essential for a stress-free experience during your pregnancy. Here are the key things every parent must know about the maternity cover insurance:

Every parent's journey must begin with confidence and care, not the financial burden of having a child. And, maternity coverage in health insurance is the best way you can do so. By understanding the benefits, limitations, and eligibility criteria of maternity cover, you can make an informed decision that aligns with your needs.

As you prepare for this beautiful new chapter of life, let your health insurance be your silent partner, providing the support and peace of mind you deserve.

FAQs about Maternity Coverage in Health Insurance

All

How can I buy/take maternity coverage?

Maternity coverage can be bought with your health insurance policy as an add-on, either within the individual or family health insurance plan.

Can I buy maternity coverage when I am pregnant?

No, you cannot buy maternity coverage when you are pregnant. Maternity coverage is considered a pre-existing condition by health insurers and hence has a waiting period. So, your maternity coverage might not activate immediately if you take it during pregnancy. That’s why it’s always better you opt for it well in advance.

What is covered by maternity benefits in health insurance?

Maternity coverage takes care of all expenses related to childbirth, including pre and post-hospitalization expenses, delivery charges, vaccination charges for the newborn, and any emergencies arising from a complication of childbirth.

What is the waiting period for maternity coverage?

Yes, there is a waiting period for maternity coverage. The waiting period varies from one insurer to another, generally ranging from 2 to 4 years.

When should I opt for maternity coverage?

Ideally maternity coverage should be opted with the first health insurance policy, so you overcome all waiting periods when you are about to start a family. If you haven’t taken this benefit with your first policy, you can opt for it right before settling down or getting married. So, you can benefit from this when you are actually planning a baby.

Is pregnancy termination covered in maternity coverage?

Yes, it is. Often, due to unfortunate reasons, the pregnancy might need to be terminated, and that is quite expensive as well. Your maternity coverage includes expenses for medically necessary termination procedures, too. Treatment related to any complications of pregnancy or childbirth is also covered.

Is 2nd childbirth also covered in maternity coverage?

Yes, your maternity and health insurance covers up to two childbirths. Some insurance providers even increase the sum insured for the second child. This factor can differ from policy to policy.

Does maternity coverage cover the newborn baby?

Yes, usually across the insurance providers, your newborn baby is covered up to 90 days since birth with maternity insurance, where treatment for any illness or emergency for the newborn and vaccinations are covered.

What occurs if there are any birth complications?

Health insurance may pay for treatment-related costs if a kid is born with difficulties. However, the terms of the policy determine the coverage. Review your coverage to see which problems are covered and to what degree they are critical.

Are there no waiting periods associated with maternity insurance plans?

There are usually waiting periods before you can get pregnancy benefits from maternity insurance programs. Discovering a plan with no waiting period is uncommon, while some may have lower waiting periods. To comprehend the waiting period and make appropriate plans, thoroughly read the insurance terms.

How is the cost of maternity insurance determined?

The premiums for maternity health insurance plans are often expensive. Unlike other standard health insurance policies that cover unpredictable and unplanned medical situations, this insurance guarantees that a claim will occur, which is the rationale for the high premium cost.

Therefore, insurers establish a higher premium rate for health insurance with maternity cover because pregnancy is guaranteed. However, before purchasing any kind of health insurance policy, it is always a good idea to do a cost-benefit analysis.

Can both spouses make maternity claims?

Yes, certain maternity insurance policies may cover both spouses. Review the policy conditions to verify coverage for both husband and wife. A more complete approach to maternity-related costs is ensured when both couples have full coverage.

When is the best time to purchase maternity insurance?

The waiting period for maternity benefits on health insurance should be discussed with the insurance provider. Maternity benefits should ideally be purchased shortly after the wedding when the spouse is added to the health insurance coverage.

Is having maternity insurance worth it?

Once you get maternity insurance, you won't have to worry about money related to pregnancy because it will cover the delivery costs and the newborn's medical treatment for the first ninety days. Additionally, it will cover the cost of the newborn's vaccines and any medical issues that may arise.

Does insurance cover a C-section?

Most insurance policies cover C-sections, particularly when they are medically required. However, some might not cover the special delivery methods, so it is important to discuss this with your insurer in advance.

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Buy Health Insurance Policy with Maternity Coverage Online in 2025

Table of Contents

What is Maternity Cover in Health Insurance?

Why Do You Need Maternity Cover in Health Insurance?

Planned Parenthood

Pay for Newborn Medical Costs

Financial Security

Maternity Cover in Health Insurance Simplified

Who Can Benefit from a Maternity Cover in Health Insurance?

When Should You Opt for Health Insurance with Maternity Cover?

Early Parenting Planning

Future Financial Comfort

For Unexpected Complications

Workplace Coverage Gaps

What’s Covered under a Maternity Insurance Policy?

Prenatal Care

Postnatal Care

Coverage of Newborn Baby

Hospitalization Costs

Delivery Fees

Pre-Existing Disease Condition

What’s Not Covered under Maternity Health Insurance?

Pre-Existing Disease Before Pregnancy

Waiting Period

Treatments for Fertility

Understanding the Waiting Period for Maternity Cover in Health Insurance

Eligibility Criteria for Maternity Health Insurance

Age Limitations

Pre-Existing Condition

Financial Stability

Medical History

Health Examinations

What is the Process to Claim Maternity Insurance Benefits?

Cashless Claim

Reimbursement Claim

Documents Required For Claim Process

What makes Maternity Benefit so Important for Young Couples?

Financial Security

Relaxing Onset to Parenthood

Valuable Longterm Benefits

Cover Against Medically Necessary Terminations

Peace of Mind

Things to Know About Maternity Cover in Health Insurance

Waiting Period

Number of Children

Medically Necessary Termination

Eligibility Criteria for Maternity Insurance Cover

Newborn Baby Benefit

FAQs about Maternity Coverage in Health Insurance

How can I buy/take maternity coverage?

Can I buy maternity coverage when I am pregnant?

What is covered by maternity benefits in health insurance?

What is the waiting period for maternity coverage?

When should I opt for maternity coverage?

Is pregnancy termination covered in maternity coverage?

Is 2nd childbirth also covered in maternity coverage?

Does maternity coverage cover the newborn baby?

What occurs if there are any birth complications?

Are there no waiting periods associated with maternity insurance plans?

How is the cost of maternity insurance determined?

Can both spouses make maternity claims?

When is the best time to purchase maternity insurance?

Is having maternity insurance worth it?

Does insurance cover a C-section?

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