Maternity Insurance
Maternity Insurance
TATA AIG Health Cover Starts at ₹15/Day*
Maternity insurance provides coverage for hospitalisation, room rent, neonatal care, specialist consultations and more, ensuring your most important moment of life is spent worry-free.
The costs of pregnancy and delivery in India have increased over the past decade, with the average out-of-pocket expenditure (OOPE) for institutional deliveries rising by 26.5% between 2015-16 and 2019-21, according to NFHS reports.
Thus, TATA AIG maternity insurance provides comprehensive coverage to ensure you cherish this period without any worries. So, if you are planning to start a family, invest in our pregnancy insurance for peace of mind. Here is a guide to understanding our maternity health insurance:
What is Maternity Insurance?
Maternity cover is our specialised health insurance plan that covers expenses related to pregnancy, childbirth and newborn care. The expenses for a delivery can cost anywhere from ₹60,000 to ₹2lakh, depending on the type. Thus, this plan is carefully designed to ease the financial burden on the couple planning to start their families.
We offer coverage for:
Maternity-Related Hospitalisation: Hospitalisation expenses will be covered for up to 30 days before delivery and 60 days post-delivery.
Hospitalisation charge: This includes room, nurse, and surgeon charges, anaesthetist consultation charges, medical practitioner charges and emergency ambulance charges.
Newborn Baby Coverage: Our maternity insurance plans also include insurance for newborn babies or neonatal care from day one for up to 90 days.
Why is a Pregnancy Cover Policy with Health Insurance Important?
Maternity insurance ensures that you are financially prepared for pregnancy-related expenses. This includes delivery costs, pre-and post-natal care and medical needs for newborns.
Rising healthcare costs in India make such policies essential for new parents. Here, we answer the common questions asked around maternity covers to help you understand their importance:
How Much Does It Cost to Have a Baby in India?
Pregnancy-related costs, such as normal deliveries costing ₹50,000–₹70,000 or cesarean deliveries reaching ₹1,50,000, can strain finances. Our maternity health insurance helps manage these expenses effectively.
Does Health Insurance Cover Pregnancy?
Our regular TATA AIG Medicare health insurance plan does not cover maternity expenses. To allow access to better healthcare facilities, we offer our maternity cover as an add-on to your base TATA AIG health insurance policy.
Why Do You Need Delivery Expense Coverage As a Part of Your Regular Health Insurance?
Our health insurance with maternity cover includes delivery expense coverage in health insurance and ensures financial support during pregnancy. It covers costs like delivery charges, hospitalisation and unexpected medical care for the mother and baby.
Why Choose TATA AIG Maternity Insurance Policy?
Online Purchase and Renewal: Easily buy or renew your best health insurance for maternity via TATA AIG’s seamless online platform, ensuring convenience.
Cashless Network: Access cashless hospitalisation services at 11,000+ network hospitals across India, minimising out-of-pocket expenses.
Comprehensive Coverage: Includes pre-and post-natal care, delivery costs (normal and cesarean), and newborn care under one robust policy.
Paperless Processes: Benefit from a completely digital experience for policy management and claims filing.
EmpowerHer Add-On: Unique coverage for women’s health needs, including maternity, wellness and preventive healthcare.
Affordable Premiums: Offers flexible and budget-friendly premium options to suit various financial needs.
24*7 Customer Support: Dedicated customer care ensures round-the-clock assistance for queries and claims.
Lifelong Renewability: Renew your policy without any age restrictions for uninterrupted coverage.
Tax Benefits: Save on taxes under Section 80D of the Income Tax Act.
Global Assistance: Comprehensive emergency assistance, even during international travel, with our pregnancy health insurance.
Key Features and Benefits of TATA AIG Maternity Health Insurance
| Feature | Benefit |
|---|---|
| Maternity Buddy Program | We offer a unique program that arranges sessions with a healthcare professional for assistance and guidance regarding childbirth and pregnancy. |
| Maternity Coverage | Comprehensive coverage for delivery (normal and cesarean) and newborn care. |
| Pre/Post-Natal Expenses | These include diagnostic tests, routine check-ups, blood tests, 5 gynaecologist consultations, follow-up treatments and lactation consultations. |
| Coverage for Infertility Treatment | We cover the reasonable and customary charges if you are prescribed for any of these treatment procedures: intrauterine insemination (IUI), in vitro fertilisation (IVF) and embryo transfer. |
| Post-Partum Depression (PPD) Care | We also include consultations with a psychiatrist for PPD, ensuring your all-around care. |
| No Claim Bonus | Increases your sum insured for every claim-free year, ensuring more value. |
Can I Get Maternity Insurance While I am Pregnant?
While you can get regular health insurance when you are pregnant, you will not be able to get maternity coverage as pregnancy is considered a pre-existing condition. This means that you must already have our health insurance plan with maternity benefits before planning your family.
What is the Waiting Period for Maternity Insurance?
TATA AIG maternity insurance plans include a waiting period of 4 years before policyholders can claim maternity benefits. This waiting period ensures coverage for planned pregnancies while avoiding misuse.
However, with our group health insurance plans, organisations can provide maternity coverage with no waiting period, subject to specific terms, under the Maternity Benefit Act. These plans also include delivery and newborn care benefits, helping employers support their employees' family planning needs.
When to Buy Maternity Health Insurance Plans?
Before Planning Pregnancy: Secure our maternity insurance early to cover waiting periods, which is 4 years of 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 Coasts: Address escalating medical costs early with an affordable maternity plan, ensuring 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.
Make sure you #ThinkAhead and choose the right maternity insurance cover for you so that you can plan for yours and your child's arrival and future!
Eligibility Criteria for Maternity Insurance Polic
| Eligibility Criteria | Details |
|---|---|
| Age | Policyholders must be between 18 to 45 years of age to enrol. |
| Health Status | No critical pre-existing conditions affecting maternity eligibility. |
| Waiting Period | 4 years for individual plans; flexible for group policies under employers. |
| Policy Tenure | Available for both annual and multi-year coverage plans of 1/2/3 years. |
| Sterilisation Treatments | To avail of benefits for sterilisation, the female must be at least 22 years old and married. |
| Dependent Coverage | Covers spouses and dependent children under maternity coverage with our family floater plans. |
| Renewal | Lifelong renewability for uninterrupted benefits. |
| Grace Period | 30 days |
| Residency | Available for Indian residents only. |
Steps to Buy Maternity Insurance from TATA AIG
Visit the TATA AIG Website: Visit the official TATA AIG website. Click on the “Personal” dropdown and select “Health Insurance.”
Select Members: Choose the number of members to be insured and click on “Get Plan.”
Provide Details: Enter details like date of birth, mobile number, email, and PIN code, then click on “See Plan.”
Explore Plans: Compare the available health insurance plans, read policy documents, and select the one that fits your needs.
Customise Coverage: Enter your preferred sum insured and policy tenure and select the add-on rider “Maternity Cover”.
Payment: Review the premium breakdown and complete the payment online to finalise your purchase.
Documents Required
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).
Things You Must Know Before Buying the Best Health Insurance for Pregnancy
When buying the best maternity insurance in India, consider the following key factors:
Coverage for New-Age Treatments: Ensure coverage for advanced maternity treatments like C-sections, fertility procedures and prenatal screenings.
Daycare Treatments and Private Hospital Rooms: For better comfort, check if the policy includes coverage for daycare procedures and private hospital rooms.
Lowest Waiting Period for Maternity Insurance: Understand the waiting periods before buying the insurance to avoid claim denials and financial emergencies.
Price vs Value: Compare premiums with coverage benefits. Look for discounts or bundled offers and comprehensive post-natal and prenatal coverage to maximise value.
Newborn Baby Cover: Opt for policies covering newborn expenses, including vaccinations and post-natal care.
Quick Claims + Cashless Services: Policies with cashless claim services at network hospitals save time and money during emergencies. We have a wide network of hospitals to quicken the service.
Maternity Limits: Evaluate if there are caps on maternity-related expenses to prepare better.
Maternity Insurance Coverage: What’s Covered?
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 doctor’s fees, nursing charges and room rent.
Ante-Natal & Post-Natal 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.
Mediclaim Policy With Maternity Coverage: What’s Not Covered?
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 wordings for detailed inclusions and exclusions.
How is the Cost of Health Insurance With Maternity Benefits Calculated?
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 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.
Tips to Reduce Costs
Opt for plans with high deductibles to reduce premium costs.
Look for discounts or bundle maternity coverage with existing health plans.
Choose policies early in life to avoid increased costs due to age.
The premium on maternity insurance covers can be a little high. This is because, unlike a regular health insurance policy, maternity and pregnancy benefits cover an almost inevitable event in life. It is important to do a cost-benefit analysis by using our health insurance premium calculator and comparing our plans before choosing the most suitable plan.
What is the Maternity Insurance Claim Process for TATA AIG?
Reimbursement Claim Process
Pay the Bills: Settle all medical expenses with the hospital.
Collect Documents: Obtain all required documents, including hospital discharge summary, medical reports and bills.
Submit Claim Form: Fill out the claim form accurately and submit it along with supporting documents to TATA AIG.
Verification: We will review your documents for accuracy and eligibility.
Reimbursement: Once approved, the claim amount of your maternity medical insurance is transferred directly to your bank account.
Cashless Claim Process
Initiate Claim: You can initiate the claim via our claims portal, send us an email or call us at 1800-266-7780 at least 48 hours prior to your planned hospitalisation. In case of emergencies, submit your claim within 24 hours of hospitalisation.
Show Your Health Card: At the hospital deck, provide your health insurance card and the maternity insurance claim letter.
Fill Out the Pre-Authorisation Form: Complete and submit the form to pre-approve treatment expenses.
Approval Process: The hospital sends the form to TATA AIG for approval.
Treatment Settlement: After approval, we directly pay the hospital for eligible expenses.
Documents Required
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
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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