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! 🙂
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?
Having maternity coverage is similar to having a plan if you intend to grow your family. With your health insurance protection, you can plan financially and concentrate on raising your child in a loving family.
The expense of giving birth has increased dramatically due to the rise in medical inflation. You may cover this expense with maternity health insurance without having to take money out of your savings.
Although babies bring happiness, babies also come with expenses. A health insurance plan covering maternity costs is your financial superhero because it covers everything to ensure you don't worry about hospital fees.
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?
What’s Covered under a Maternity Insurance Policy?
Disclaimer: Currently, Digit does not offer any Maternity coverage with our Health Insurance.
What’s Not Covered under Maternity Health Insurance?
Maternity insurance policies do not pay for pre-existing pregnancy-related costs during policy claims or waiting periods. Therefore, it is crucial to accurately declare any current pregnancy complications during application to prevent a claim from being denied.
The insurance company has a waiting period for maternity insurance policies before which pregnancy-related costs are not covered. Depending on the insurer and the policy terms, this waiting period may be a few months or a few years.
Assisted Reproductive Technologies (ART) such as IVF and other infertility treatments are among the costs associated with fertility treatments that are typically not covered by maternity insurance plans. Usually, only medical costs directly associated with pregnancy and childbirth are covered.
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:
Most maternity health insurance policies have minimum and maximum coverage eligibility limits. Maternity health insurance is normally available to people between the ages of 18 and 45.
Tell the truth about any health issues you may have had in the past. It will increase the waiting period or exclusions accordingly.
Some insurers may take the policyholder's income and financial stability into account, even though this isn't always mentioned clearly.
Certain policies may question the policyholder's family medical history to know genetic problems that might affect eligibility.
A medical checkup can be necessary before the policy is issued, depending on the insurer and the policyholder's age.
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?
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:
Like other vital covers, such as pre-existing disease coverage, Maternity Cover comes with a waiting period before you can claim and benefit from it. Usually, the waiting period for maternity coverage lasts up to two years.
Usually under a Maternity Benefit Cover, the coverage is up to two children.
Sometimes, due to pregnancy-related complications, such as the mom-to-be's health conditions; parents may decide to medically terminate a pregnancy. In this case, your health policy will cover for all expenses arising due to the same. Under this benefit, there is no restriction as to the number of medically necessary and lawful termination of pregnancies.
Any married or single person who has opted for maternity benefit coverage is eligible for the maternity benefit. One can also opt for this add-on later during their policy period. However, one must note that they will not be eligible for a maternity benefit if they’re already pregnant.
Under the maternity insurance cover, the newborn baby is further insured for the first three months, i.e., 90 days of their life. This includes any health complications and required vaccinations according to the National Immunization Schedule the Government of India defines.
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
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.