Top Maternity Insurance Plans | What is Maternity Insurance?

Top Maternity Insurance Plans: Motherhood or pregnancy is an essential phase in life and we should prepare well in advance to welcome parenthood. However, raising a child is a costly affair and a good financial backup is needed to meet the needs of the growing child.

From hospital stay to delivery expenses to medical tests to medicines costs, a well-developed maternity insurance plan can help in reducing the rising expenses so that you enjoy this happiest moment of your life without any pressure Can

Top Maternity Insurance Plans

Top Maternity Insurance Plans | What is Maternity Insurance?
Top Maternity Insurance Plans | What is Maternity Insurance?

What is Maternity Insurance?

Maternity insurance is provided to you as an add-on or additional rider along with the main health insurance. This insurance covers the expenses related to both types of delivery of children – cesarean and normal delivery. Some insurance providers prefer to offer maternity benefits as a rider or additional service and reduce your out-of-pocket burden. Some corporates offer maternity insurance benefits to their women employees along with their best health insurance policies. Also, in most corporate group policies, maternity is a rider (add-on benefit) with a limit of Rs 50,000.

Some of the benefits of maternity insurance are pre- and post-hospitalization expenses, covering the expenses for the first 30 days of hospitalization. Expenses such as nursing and room rent, surgeon fees, doctor consultation, and orthopedic consultations are also covered. To make a sound financial decision, one must understand what is included and what is not included in maternity insurance and ensure that the insurance is utilized to the maximum.

Let us now have a look at the differences between some of the top types of health insurance plans with maternity benefits-

Scheme NameInsurance companySum Assured (in Rs.)Entry Age (Years)
Active Health Platinum Enhanced PlanAditya Birla Health Insurance2 lakh – 2 crore91 days or more
Care Health Jaye Health Insurance PlanCare Health Insurance3 – 5 lakh18-65 Years
Digital health insurance with maternity coverDigit Health Insurance2 – 25 Lakh
Gold & Platinum PlanEdelweiss Health Insurance20 lakh – 1 crore90 days to 65 years
Happy Family Floater Diamond PlanOriental Health Insurance12- 20 lakhsOver 65 years
Health-Guard Gold Family Floater Health Insurance PolicyBajaj Alliance Health Insurance3-50 lakhs18 to 65 years
Heart Beat Family Floater PlanMax Bupa Health Insurance5 lakh – 1 crore18 to 65 years
Lifeline Elite PlanRoyal Sundaram Health Insurance25 lakh – 1.5 crore18 years or older
Mahindra Premium PlanKotak Mahindra Health Insurance18 to 65 years
New India Assurance Mediclaim PolicyNew India Assurance Health Insuranceup to 15 lakhs
Parivar Mediclaim PolicyNational Health Insurance1 Lakh – 10 Lakh18 to 65 years
Privilege Healthline Insurance PlanKolamandalam Health Insurance5 – 25 Lakh
Pro Health Plus PlanManipalCigna Health Insurance4.5- 50 Lakh18 years or older
SBI Arogya Premium PlanSBI Health Insurance10 – 30 lakhs18 to 65 years
Smart Super Health Insurance PolicyIndian A X A Health Insurance5 – 100 Lakhs
Star Health Wedding Gift Pregnancy CoverStar Health Insurance3 – 5 lakh18-40 Years
Tata AIG Medicare Premium PlanTata AIG Health Insurance5 – 50 lakhsUp to 65 years
Total Mediclaim InsuranceFuture Generali Health InsuranceUp to 1 croreNo age limit
Universal Sompo Complete Healthcare InsuranceUniversal Sompo Health Insurance1-10 lakh18 to 70 years
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