Maternity Insurance

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Maternity Insurance

Giving birth to a child is perhaps the most valuable event a woman can have as she sails through a sea of new experiences and emotions. While the joy of bearing a kid cannot be replaced by anything in the world, the financial aspects incurred throughout the pre and post-natal period might become a hurdle in this magnificent journey.

The basic cost of delivering a baby in India is somewhat between ₹45,000 to ₹75,000, while the cost of caesarean births has grown to ₹2 lakhs in most Indian metro cities. As a result, maternity health insurance is an excellent way to make sure that there are no bumps in the nine-month lovely trip.

Maternity cover is one of the most underrated types of health insurance that most people overlook, yet it may truly assist to-be parents in managing a large portion of their expenditures during the trip. A maternity insurance policy covers all costs related to delivery for a set period of time.

What Is a Maternity Insurance Cover?

The cost of living has increased tremendously, impacting almost every aspect of our lives. Maternity and the requisite medical assistance are no exception. These expenses can cause financial turmoil if you are unprepared. Hence, to safeguard yourself against this difficult situation, it is vital to have financial support with a maternity insurance plan.

Maternity insurance or pregnancy insurance plan is basically an add-on cover that may be added to a Family or Individual health insurance policy to cover every maternity-related expenditure. Any individual with an existing medical insurance plan can incorporate this benefit for their wives or themselves so that when the time comes, their health insurance provider will take care of all the pregnancy-related costs.

Furthermore, the best health insurance for maternity pays for expenditures incurred due to fertility concerns and the newborn baby's hospitalisation charges owing to any medical complications and immunisation charges for a maximum of 90 days from the delivery date.

Maternity insurance coverage can be availed as a standalone or add-on to the existing family health insurance plan. Employers often include this benefit under their employees' group health insurance policy.

A pregnancy health insurance plan works similarly to a regular medical insurance plan. After the waiting period, you can file a claim on your pregnancy insurance policy and avail of cashless healthcare facilities at any network hospital.

Whether you want to begin a family anytime soon or give your existing kid a sibling to bond with, the period of pregnancy, childbirth, and all that comes with it may be stressful, and this is where Tata AIG is here to assist you in getting through it.

Tata AIG offers maternity insurance coverage to keep you financially protected and stress-free when bringing your child into this world. Since milestones like this do not occur every other day, it is recommended to obtain Tata AIG health insurance with maternity cover and plan for the unforeseen and the scheduled.

Contact us to take this alliance forward. We are ever-ready to assist you.

Maternity Insurance: Why Do You Need It?

As a parent-to-be, you must budget for the added pregnancy and childbirth costs. The Insurance Regulatory and Development Authority of India's Circular on Standardised Definitions, issued in 2013, defines maternity insurance as a financial backstop covering hospitalisation and medical treatment expenditures.

Medical bills are rising daily. As a result, you should plan your funds so that when the time comes, you can deal with any expected and unforeseen expenditures.

Just like there are multiple benefits of health insurance, supplementing your current health insurance plan with maternity coverage, you can avail of the following added benefits.

Protect yourself and your family against rising healthcare bills: Having such a cover alongside your health insurance plan protects your cash and allows you to avoid depleting funds for other causes.

Protect your maternity-related hospitalisation costs: Pregnancy insurance plan provides coverage for a maximum of 30 days before the birth of a child and up to 60 days after the birth of a child.

Protection against pre and post-natal expenditures: Maternity mediclaim insurance covers every medical expense related to normal and Caesarean deliveries and post-delivery issues for the mother.

Coverage in case of complications: A typical health insurance plan may not offer in case of complications arising from childbirth. However, medical insurance for pregnancy offers coverage for these complications.

Newborn Coverage: Maternity insurance extends protection to newborn kids (right from Day 1 to Day 90) in the event they're diagnosed with a congenital or life-threatening ailment.

Ambulance Cover: These days, the pregnancy insurance policy also covers ambulance charges for pregnancy-related emergencies.

Tax Benefits: Medical insurance for pregnancy provides comprehensive tax benefits under the 1961 Income Tax Act (under Section 80D). These tax breaks apply to the premium paid for the plan.

Maternity Cover: Who Should Opt for It?

Maternity cover should be obtained by the following set of couples:

  • Newly Married Couples: Well, couples who've just married and hope to have a kid in a few years may consider purchasing maternity insurance to fulfil the waiting period in medical insurance shortly.

  • Couples Planning for Kids: People who've finally reached the point in their marriage when they would like to consider having a kid.

  • Couples Planning a Second Kid: Couples who already bear a child and wish to get insurance before having another.

  • Couples Who Wish to Have Kids in the Future: Couples who do not intend to conceive any time soon but would like to obtain pregnancy cover for the future.

  • Additionally, below are the scenarios where you can avail of the benefit of maternity insurance.

  • If your health insurance plan offers maternity benefits

  • If you have bought the maternity benefit add-on cover at the time of purchase or renewal of your medical insurance plan

  • If you have added the cover anytime later during the policy tenure

  • If you have met any of the above conditions and have a severe waiting period

  • If you are married and within the age limit as required by the eligibility criteria

  • If you haven't already used this cover for more than two children

Health Insurance with Maternity Cover: When Should You Purchase It?

With pregnancy insurance, you may be confident that a lack of funds will not detract from your enjoyment of being a parent. These policies often have a three to four-year waiting period. As a result, you have plenty of time to think about establishing a family. Instead of waiting until you're pregnant, you must get a pregnancy insurance plan as soon as possible.

Ideally, you must get a maternity insurance policy before conceiving because certain insurance providers might consider the pregnancy pre-existing and refuse to pay the claim.

Simultaneously, it would help if you chose the maternity insurance available that you can get at Tata AIG. You can take the help of our online health insurance premium calculator to look for the rates of our different plans and select the one that meets your requirements and budget at the lowest possible premium amount.

Eligibility Criteria Associated with Maternity Insurance

In the midst of all the happiness and joy that comes with pregnancy and motherhood, there's always the threat of hefty medical bills. Pregnant ladies require round-the-clock medical care and attention, ranging from routine tests to hospital bills.

The qualifying conditions for purchasing maternity insurance vary per insurance provider. The minimum age to purchase maternity cover is 18 years and the maximum age, on the other hand, is 45 years. Furthermore, maternity cover has a waiting period ranging from nine months to six consecutive insurance plan years. You may use the insurance policy benefits when the waiting period is over.

Maternity health insurance benefits offered by an employer as a part of a group health insurance plan typically do not have a waiting period. A permanent employee can raise maternity benefit claims without waiting a specific period. However, the age limit and number of children covered by the group insurance may also vary depending on the plan.

Features of Tata AIG Maternity Insurance Cover

Motherhood is a beautiful stage of life. If you are seeking health insurance with maternity insurance plans with maternity benefits in India, choose Tata AIG to make the journey easier for the kid and the mother. We have an exciting range of plans that cover all hospitalisation and delivery-related expenditures.

The following are some of the numerous advantages that come with the purchase of health insurance plans for pregnancy:

Cashless Hospitalisation: One of the most convenient and necessary features of Tata AIG health insurance plans with maternity benefits is cashless hospitalisation. You can select from over 7,000 cashless network hospitals in India. You don't need to make any monetary arrangements during the delivery of your infant.

In-Patient Care: You do not need to be concerned if you've pregnancy insurance since it assures that you receive thorough in-patient treatment if issues arise during the birth.

Comprehensive Coverage: Tata AIG's maternity coverage allows you to cover the costs of pre and post-hospitalisation and delivery, as well as miscellaneous expenses like medications, ambulance services, hospital room rent, and doctor's consultation charges.

Financial Backup: Health insurance with maternity cover is a highly recommended investment due to the escalating costs of medical treatment and hospitalisation. You'll be financially safeguarded against the hefty medical expenditures of treatments such as diagnostic tests, routine checkups, and surgery if you get such a cover.

Affordable Premiums: Are you genuinely concerned that such a plan would be too expensive for you? This Tata AIG plan might put your mind at ease because it provides comprehensive coverage at a very low premium cost. However, charges may vary slightly depending on age and degree of coverage. You may compare them using our online health insurance premium calculator.

Hassle-free Online Process: You can easily purchase a maternity insurance plan online without visiting our branch. Just enter a few details and make an online payment to buy a maternity insurance plan.

Tata AIG Health Insurance with Maternity Cover Inclusions and Exclusions

With pregnancy insurance coverage included in your health insurance plan, you won't have to stress about the numerous costs of selecting a hospital or nursing home for delivery.

In another way, maternity insurance protects you against unanticipated circumstances, allowing you to choose the best doctors for you, your spouse, and your newborn child.

Inclusions Exclusions
Delivery and Labour Cost: The pregnancy add-on cover will cover all costs associated with childbirth. However, the coverage limit may restrict the number of pregnancies included under the policy. Any pre and post-natal costs incurred shall not be covered unless hospitalisation is required.
C-Section: If the doctor advises a C or caesarean section for the child or mother's health, your Tata AIG maternity cover will cover every expense. An ectopic pregnancy is exclusion unless it is included in the standard mediclaim policy.
Hospitalisation and Room Rent: Your Tata AIG health insurance plan with maternity benefits will cover all the hospitalisation expenditures and room rent spent while you are hospitalised. If you have exhausted the total number of pregnancies covered by your maternity plan or filed a claim during the waiting period, they shall not be covered.
Pregnancy Complications: Your maternity coverage will cover every medical expense incurred during pregnancy to guarantee protection against any maternity-related issues. The costs of extracting and keeping stem cells for medical purposes and In-vitro fertilisations (IVF) procedures are not covered.
Newborn Baby Coverage: The health insurance plan safeguards your kid with a newborn baby cover for the first 3 months after delivery. Tonics, vitamins, and other nutritional supplement costs for the child and the mother are excluded.

Buying Health Insurance with Maternity Cover Online: How to Do It?

Tata AIG offers its customers the best health insurance plans with maternity benefits. You can purchase Tata AIG medical insurance in two ways – online and offline.

Online Mode

If you are planning to buy it online, we assure you that the complete process is clear-cut and no fuss. All you have to do is carefully follow the steps below**

Step 1 Visit Tata AIG's official website. Under the 'All Products' tab, select 'Health Insurance'. Then it will lead you to the medical insurance page.

Step 2 Choose for whom you wish to purchase health insurance with maternity cover. You can purchase it for yourself or your spouse.

Step 3 Once you have determined who will be insured, place your finger or cursor on the "Get Plan" option and click on it.

Step 4 Provide the essentials as requested, and Tata AIG will recommend the best and most appropriate plans for you.

Step 5 On the next page, you only need to select the sum insured. You can perform it by tapping on the drop-down menu. After that, you'll be able to view the exact premium amount.

Step 6 You may also compare health insurance policies to see which suits your needs best.

Step 7 Pick the policy you intend to purchase and choose the "Buy Now" option.

Step 8 Our experts will reach out to you for further assistance.

Offline Mode

**Follow these steps if you wish to purchase maternity mediclaim from Tata AIG offline.

Step 1 Locate your nearest Tata AIG branch.

Step 2 Visit the office at your convenience and go to the reception desk and inform them that you wish to buy a maternity insurance policy.

Step 3 A representative will approach you to discuss various plans and suggest the best health insurance for maternity cover.

Step 4 Once you have decided on a plan, complete the application form and attach relevant documents.

Step 5 Submit your application at the counter and pay the fee.

That is how simple it is to buy a maternity health insurance policy from Tata AIG.

Factors to Consider When Purchasing Maternity Cover

It is crucial to conduct extensive research before purchasing any health insurance plan. It would be beneficial if you also take a look at the following aspects while selecting maternity coverage:

  • Sub-Limit Clauses: Most health insurance policies or medical facilities have a Sub-Limit Clause. Likewise, sub-limits may apply to maternity health insurance coverage. So, after evaluating several plans, make sure to read the policy terms and conditions and select the one that best meets your requirements.

  • Premium Quote: You must acquire maternity coverage separately from your mediclaim insurance policy since it's an add-on. Although the provisions of the policy provide substantial coverage, make sure you consider the additional cost.

  • Policy Coverage: The insurance plan you purchase provides comprehensive coverage for all of your pregnancy-related expenditures. It includes hospitalisation expenses, consultations, medicines, checkups, or any cost arising as a result of complications.

  • Waiting Period: Most pregnancy insurance policies have a set waiting time that you must fulfil before you may get benefits. As a result, the insurance company will not accept any claims prior to the waiting time. So, double-check the waiting time for your add-on coverage. Furthermore, it is strongly advised to acquire a health insurance plan with maternity coverage early in life in order to benefit from the coverage.

-Cashless Hospitalisation This feature eases the couple's journey wherein you do not have to bear any cash arrangement. Although most policies these days offer cashless hospitalisation benefits, it is always better to ensure and learn about the terms and conditions.

-Discounts available Since maternity insurance coverage is an add-on and comes at an additional cost, the best way to reduce the premium is to look out for discounts. However, always maintain benefits and features due to discounts.

-Number of children covered Most medical insurance for pregnancy covers up to two children. It is better to know the details of the coverage.

-Termination and abortion Many maternity insurance plans cover termination or abortion up to two pregnancies. When termination or abortion is undertaken due to a medical condition or complication, most insurers cover these costs.

Tata AIG Maternity Health Insurance Claim Procedure

When you are admitted to the hospital for childbirth, notify Tata AIG immediately. This allows us to begin the claim procedure. Depending on the hospital where you are hospitalised, the claim settlement might be either cashless or reimbursement. Here's how to submit a cashless and reimbursement insurance claim:

Cashless Claim

  • You may use the cashless claim resolution facility when seeking medical treatment at one of Tata AIG's network hospitals.

  • You need to fill out the insurance claim application form, which is available at the network hospital's insurance desk.

  • The network hospital must request clearance before beginning the claim procedure. Submit all required documentation to us.

  • When the insurance claim application is granted, we will pay the hospital and associated medical bills to the hospital directly.

** Reimbursement Claim**

  • If you seek medical attention in a non-network hospital, you may file a reimbursement claim for compensation.

  • Notify Tata AIG about pregnancy-related hospitalisation.

  • Complete the insurance claim application form and submit the required documentation and hospital bills after discharge.

  • We will review your claim application form and may seek more documentation (if and when needed).

  • Tata AIG will reimburse the expenditures in your registered bank account when the insurance claim application is granted.

Required Documents to Raise for Pregnancy Health Insurance

You may need to submit the following documents to raise a claim against maternity benefits:

  • Identity proof (KYC documents)

  • Discharge summary

  • Claim form

  • Health insurance policy

  • Pre-authorization form in case of cashless claims

  • Original bills and invoices for f reimbursement claims

  • Prescriptions for medicine and other items

  • Other papers that Tata AIG claim experts might request.

What Our Clients Say

My experience with Tata AIG is beyond awesome. I purchased family health insurance with maternity cover from their clear-cut and well-organised website. My entire experience of purchasing such a plan was trouble-free. And I am relieved to report that I am no longer stressed as a result of protecting my wife against C-section surgery. Highly recommended to everyone!

~ Shankar Chaubey

"My recent purchase of Tata AIG mediclaim policy was fantastic. The support team's services were simply outstanding. Another aspect that impressed me was the ability to pay health insurance premiums in a variety of ways. Loads of love to the firm for creating a knowledgeable and informative website."

~ Suhana Arora

"Thank You to the support staff of Tata AIG for assisting me in selecting the finest health insurance plan based on my budget and requirements. I purchased the Tata AIG MediCare plan from their official website, and within a couple of minutes, my plan was available on my portal. Furthermore, all documentation was completed online. As a result, the entire procedure was incredibly simple and convenient."

~ Rahul Chakraborty

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Frequently Asked Question

1. When is the ideal time to get maternity insurance?


Most maternity insurance policies have a waiting period, implying that maternity-related expenditures are not covered. As a result, it is suggested that every newlywed must go for it and schedule their pregnancy accordingly.

2. Is abortion covered under maternity insurance?


It is, indeed. Due to unfortunate circumstances, the pregnancy may need to be aborted, which is also quite costly. Your maternity coverage also covers medically required termination procedures. The insurance plan also covers treatment for any complications arising from pregnancy or delivery.

3. Who is eligible for maternity cover benefit?


If you satisfy the following conditions, you are eligible for maternity benefits:

  • If you added maternity coverage to your existing health insurance plan.
  • If you have not used up all of the coverage offered through the add-on (or you have more than two children)
  • If you have fulfilled the appropriate waiting period under the policy.

4. How is the premium for maternity insurance determined?


Typically, health insurance with maternity benefits premiums is high. The rationale for the high price is that the claim is certain to occur under this policy, as opposed to other standard health insurance plans that cover unplanned and unpredictable medical situations. As a consequence of the certainty of the occurrence, i.e. pregnancy, insurance carriers establish a higher premium amount. However, before purchasing any health insurance with maternity coverage, it is usually essential to conduct a cost-benefit analysis.

5. Is it a good idea to obtain maternity coverage?


Yes, definitely! Women who intend to raise a family in the coming years may consider purchasing maternity insurance, which covers medical expenditures spent during pregnancy and the newborn infant. Your insurance provider will cover everything from delivery charges to pre- and post-natal care expenses under your maternity insurance plan.

Can I buy maternity insurance if I am already pregnant?


Most insurance providers do not offer maternity health insurance if you are already pregnant, as they consider pregnancy a pre-existing condition. Also, due to the waiting period clause, opting for health insurance with maternity well before starting a family is advisable.

What is covered in maternity insurance?


Tata AIG maternity insurance covers delivery and labour costs, C-sections, hospitalisation and room rent, pregnancy complications, newborn baby coverage, certain vaccinations, etc.

How to get maternity insurance without a waiting period?


All maternity plans in India typically come with a waiting period ranging from 9 months to 6 years. The only instance where a maternity benefit comes with zero waiting period is in group health insurance plans.

Does health insurance cover maternity?


Most health insurance plans do not include maternity coverage in their standard plan. You need to purchase this as an add-on. However, a few plans, like Tata AIG Medicare Premium, offer maternity coverage.