Maternity Insurance

Maternity insurance is a medical insurance plan that covers pregnancy-related expenses. The plan covers a range of medical expenses, including hospitalisation, delivery and newborn medical treatments before and after childbirth.

It is also available as an add-on with a health insurance plan. With maternity cover, you can enhance the scope of health insurance coverage and prepare for future maternity needs with ease.

Also Read: Pregnancy Health Insurance

Pregnancy health cover offers a crucial safety net to couples and women who want to secure themselves from high costs related to pregnancy. Here are some of the reasons to invest in a health insurance plan with maternity cover.

Maternity Expenses Support

Pregnancy-related costs, such as normal deliveries or cesarean deliveries, can strain finances. With the maternity cover insurance plan, you can get quality medical treatment in authorised hospitals without draining your finances.

Pre and Post Natal care

Another reason to choose pregnancy health coverage is getting pre and postnatal care. Most health plans with maternity cover come with pre and postnatal care. This will help you get regular monitoring and support in authorised hospitals without any financial burden.

Also Read: Health Insurance Covers Pre And Post-natal Expenses

New Born Coverage

Many health insurance plans also include newborn coverage, meaning expecting mothers receive coverage for their newborn. This is especially helpful if the baby has any health issues after birth, ensuring proper care and a healthy start.

Unforeseen Complications

Having maternity cover also ensures protection against unforeseen complications. Problems during pregnancy or childbirth are common and can bring additional financial burden. A health insurance plan with maternity cover will cover such expenses, helping you focus on recovery.

• Before Planning Pregnancy: Secure our maternity insurance early to cover waiting periods of 4 years by investing regularly in TATA AIG health insurance.
• When Opting for a Family Plan: Choose maternity-inclusive policies as part of a broader family health insurance plan.
• At a Younger Age: Lower premiums make purchasing maternity coverage early more affordable and practical.
• Before Policy Switching: If your current policy lacks maternity benefits, switch to TATA AIG’s maternity cover to ensure comprehensive coverage.
• Before Major Life Decisions: Anticipate significant expenses related to relocation or financial commitments by securing maternity insurance.
• To Mitigate Rising Costs: Address escalating medical costs early with an affordable maternity plan to ensure financial stability.
• Pre-Marriage or Early Post-Marriage: Plan for future maternity needs before entering or early into marital life.
• When Expanding Family: Include maternity coverage when preparing for a larger family.

Below are the people who should strongly consider investing in pregnancy health coverage.

Young Womens

Young women in their late 20s or early 30s who want to have children should definitely consider buying health insurance with maternity coverage.

Newly Married Couples

Couples who have recently tied the knot and plan to start a family should consider purchasing a health insurance plan with maternity benefits. It helps manage medical expenses related to pregnancy, delivery, and newborn care.

Individual Planning to Get Married

People about to get married should consider a health insurance policy early, preferably one with maternity coverage. Buying it in advance ensures the waiting period is completed before planning a pregnancy, so they can use the benefits when needed without any delay.

Individual Planning Second Child

Couples planning to have their second child should review their existing health insurance plan and confirm if it includes maternity coverage. If not, upgrading or purchasing an add-on can help cover maternity and newborn-related costs.

TATA AIG offers a different health insurance plan that includes maternity coverage. These plans are:

TATA AIG Medicare Premier

TATA AIG Medicare Premiere is a health insurance that offers maternity cover as an add-on. Under this plan, if the sum insured is up to ₹50 lakhs, maternity expenses up to ₹50,000 will be covered for a boy child and up to ₹60,000 for a girl child.

However, for the sum insured between ₹75 lakhs and ₹3 Crore, maternity expenses are up to ₹1,00,000 for a boy child and ₹1,20,000 for a girl child. There is a waiting period of 3 years of continuous coverage under this policy.

TATA AIG Medicare Select

TATA AIG Medicare Select plan offers a maternity care add-on that covers maternity expenses, delivery complications and newborn care, as per the policy schedule. The plan also offers first-year vaccination coverage for the insured person’s newborn child.

This add-on comes with separate limits in addition to the base sum insured and is subject to a waiting period of 2 years of continuous coverage.

TATA AIG Empower Her

This is a TATA AIG rider available for women customers. It includes maternity protection, including ante-natal and postnatal coverage, infertility treatment, our Maternity Buddy Program (where a healthcare professional will provide guidance and conduct sessions on topics related to pregnancy and childbirth) and more.

Also Read: Types of Health Insurance Plans in India

The working of a health insurance plan with maternity coverage is simple. Let us understand this with an example. Swati, 29 years old, has purchased a TATA AIG health plan with maternity coverage.

The sum insured of Swati’s plan is ₹20 lakhs, which means she can claim maternity expenses up to ₹50,000 for a boy child and ₹60,000 for a girl child. The plan includes a 3-year waiting period.

Once the waiting period is over, she can avail maternity coverage for hospitalisation and delivery expenses within the specified limits. This coverage helps reduce out-of-pocket expenses during childbirth and ensures her family's financial security.

Here is the general eligibility criteria for getting health insurance with maternity coverage.

• Policyholders must be between 18 to 45 years of age at the time of purchasing a plan.
• Policyholders do not have pre-existing conditions affecting maternity eligibility.
• To avail of benefits for sterilisation, the female must be at least 22 years old and married.
• It is available for Indian residents only.

TATA AIG provides comprehensive maternity insurance coverage as an add-on to our base health insurance policies, such as the TATA AIG Medicare plan. Here is a list of various maternity-related expenses covered by the base plan and add-on rider:

• Hospitalisation Costs: Covers delivery expenses for normal and cesarean births, including doctors’ fees, nursing charges and room rent.
• Ante-Natal & Postnatal Care: Covers consultations, ultrasounds and tests during pregnancy, as well as post-delivery check-ups, lactation support, and mental health consultations.
• Newborn Baby Cover: Medical expenses for the newborn, including neonatal care and any complications arising within the initial days post-birth.
• Vaccination Expenses: Costs for the first set of mandatory vaccinations for the newborn as per the policy terms.
• Infertility Treatment: Covers medically prescribed treatments like intrauterine insemination (IUI), in-vitro fertilisation (IVF) and embryo transfer for infertility.
• Sterilisation Treatments: Medical expenses for voluntary sterilisation of female policyholders, once in a lifetime, after a 2-year waiting period. The insured must be married and at least 22 years old.
• Ambulance Charges: Reimbursement for emergency transportation to the hospital.
• Day Care Procedures: Coverage for treatments or procedures not requiring overnight hospitalisation.
• Maternity Buddy Program: Offers expert guidance on pregnancy and childbirth through digital platforms.
• Home Assessment and Modification: Evaluates and recommends home modifications for infant safety and mobility.

While there are many benefits to having maternity insurance, here are a few aspects that are not covered:

• Pre-existing diseases affecting pregnancy: Pre-existing diseases that could affect your pregnancy, such as high blood pressure or epilepsy, will not be covered.
• Congenital diseases: Inherited medical conditions that occur in children before or at birth, such as heart disease, Down Syndrome or spina bifida, are not covered.
• Medicine costs apart from the ones prescribed by the doctor: Medicines that your doctor prescribes might be covered under maternity insurance. However, any other supplements or vitamins that you take might not be covered under maternity health insurance.
• Cosmetic Surgeries: Surgeries like tummy tucks post-delivery or other cosmetic enhancements.
• Non-Allopathic Treatments: Ayurvedic, Unani or any alternative medical treatments.
• Waiting Period Violations: Claims within the specified waiting period (usually 4 years).
• Non-Disclosure of Health Issues: Claims denied due to undisclosed health conditions during policy purchase.
• Surrogacy or Adoption Costs: Costs associated with surrogacy or the adoption process.
• Doctor's check-up expenses and consultation fees: Maternity insurance does not cover all
  your OB-GYN appointments during your pregnancy.

Check your policy wording for detailed inclusions and exclusions.

The cost of maternity health insurance with maternity benefits insurance depends on several factors:

• Age of the Policyholder: Younger individuals usually pay lower premiums, as the risks associated with pregnancy are considered lower.
• Waiting Period: Policies with shorter waiting periods tend to have higher premiums.
• Coverage Scope: Comprehensive plans covering prenatal, delivery and newborn care cost more.
• Add-on Benefits: Adding riders like newborn baby care or vaccination cover increases the premium.
• Policy Duration: Longer-term policies may spread the cost but have higher cumulative premiums.
• Network Hospitals: Policies offering cashless services at top hospitals might charge more.

Before buying health insurance with maternity cover, there are certain factors you need to keep in mind, such as:

Coverage Scope

Knowing what is covered under the plan, such as delivery expenses, prenatal and postnatal care and more, gives you a detailed understanding of the coverage. It is best to choose the cover that covers a wide range of maternity-related expenses.

Waiting Period

The waiting period is the period during which maternity and childbirth-related expenses are not covered. Generally, the waiting period for maternity cover is between 2 years to 4 years. So, ensure the waiting period aligns with your family planning before purchasing a plan.

Also Read: Waiting Period in Maternity Health Insurance

Newborn Coverage

The newborn coverage is also crucial when looking for a health insurance plan with maternity coverage. It is an essential coverage as it covers all newborn-related expenses for a specified duration. Many plans also cover vaccination-related expenses for newborns, ensuring the baby receives proper care right from the start.

Exclusions and Limitations

When purchasing a health insurance plan with maternity coverage, also review its exclusions and limitations. Understanding what is not covered under the policy is important for policyholders when availing a benefit.

Premium or Cost

The premium of the health insurance plan with maternity coverage is also crucial while purchasing a plan. Since maternity cover is available as a rider or add-on in various health insurance plans, it increases the premium. So while buying health insurance, it is crucial to check the premium.

Buying health insurance with maternity coverage is easy with TATA AIG. Here is how you can purchase a plan in a few simple steps.

• Step 1: Go to the official TATA AIG website. From the “Personal” dropdown menu, select the “Health Insurance” option.
• Step 2: Select a suitable health insurance plan and choose the number of people you want to insure.
• Step 3: Enter basic details such as date of birth, mobile number, email ID, and PIN code, then click “See Plan”.
• Step 4: Browse the available health insurance plans, compare features, and then add the maternity cover add-on.
• Step 5: Review the premium details and complete the online payment to finalise your purchase.

Upon successful payment, the health insurance plan with maternity cover will be sent to your preferred email address.

If your health insurance plan with maternity cover is about to expire, then you can easily renew it with TATA AIG. Here are the steps to follow to renew the plan.

• Step 1: Open the official TATA AIG website, click on the “Renewal” tab, and select the “Health” option.
• Step 2: Enter your health insurance policy number and click on “Renew”. Review your existing health insurance plan.
• Step 3: Modify and update the plan based on your requirements. Include maternity cover if not added.
• Step 4: Enter the required details and complete payment using your preferred method.

Once the payment is successful, the updated policy document with the maternity cover add-on will be sent to your registered email address.

• Identity Proof: Aadhaar, Passport, Driver’s License
• Address Proof: Aadhaar, Passport, Voter ID
• Age Proof: Birth Certificate, Aadhaar
• Income Proof: Salary Slips, Bank Statements
• Medical Records: Past health records, prescriptions
• Previous Insurance Details (if applicable).

Raising a health insurance claim with maternity coverage is easy with TATA AIG. You can either file reimbursement or cashless claims. Below is the step-by-step method for the same.

Reimbursement Claim Process

• Step 1: Settle all medical expenses with the hospital.
• Step 2: Obtain all required documents, including hospital discharge summary, medical reports and bills.
• Step 3: Complete the claim form accurately and submit it, along with supporting documents, to TATA AIG via self-service portal.
• Step 4: We will review your documents for accuracy and eligibility.
• Step 5: Once approved, the maternity medical insurance claim amount is transferred directly to your bank account.

Cashless Claim Process

• Step 1: You can initiate the claim via our claims portal, send us an email or call us at 022-6489-8282 at least 48 hours prior to your planned hospitalisation. In case of emergencies, submit your claim within 24 hours of hospitalisation.
• Step 2: At the hospital deck, provide your health insurance card and the maternity insurance claim letter.
• Step 3: Complete and submit the form to pre-approve treatment expenses.
• Step 4: The hospital sends the form to TATA AIG for approval.
• Step 5: After approval, we directly pay the hospital for eligible expenses.

• Policy document and ID proof.
• Original bills and receipts.
• Doctor’s consultation papers and test reports.
• Discharge summary from the hospital (for reimbursement)
• Insurance card

Health insurance with pregnancy cover is a crucial safety net for expecting mothers and their families. It helps protect them from high medical costs during pregnancy, childbirth and the early care of the newborn. It allows them to enjoy their baby's birth without derailing their budget.

A maternity insurance policy or cover comes with important details like waiting periods, coverage scope, exclusions, etc., which are useful to understand if you want to buy health insurance online.

TATA AIG offers a customised, affordable medical insurance plan with maternity coverage. Under this coverage, you will get coverage for delivery-related expenses, prenatal and postnatal care and more.

Not just this, we also offer women's health insurance that covers regular health check-ups, basic medical expenses and major treatments, including maternity. The plan also comes with women-centric add-ons like cancer screening and vaccination, mental health counselling and more.

In addition, with our medical insurance plan, you will receive cashless treatment at any authorised hospital. This makes it easier and more convenient to access care without worrying about upfront payments.