Maternity Insurance

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Maternity Insurance

Very few joys in life compare to that of bringing a baby into this world. For many women, if not all, going through pregnancy and motherhood is one of the most significant chapters in their lives.

Click here to buy health insurance with maternity cover or pregnancy insurance.

What is a Maternity Insurance or Pregnancy Insurance?

The cost of healthcare and medical expenses associated with pregnancy has gone up excessively. A standard delivery or caesarean procedure can cost anywhere from Rs 60,000 to Rs 2 lakh. And during this stage, financial stress should be the last thing on your mind. Therefore, to stay worry-free and cherish this period without any worries, it is advisable to opt for maternity insurance cover & undergo regular health check-ups If you decide to start a family, getting maternity insurance should always be a priority. Here are a few things you must understand about maternity health insurance.

Can You Get Insured Under Maternity Health Insurance While you are Pregnant?

While you can get regular health insurance when you are pregnant, you will not be able to get maternity coverage as most companies consider pregnancy a pre-existing condition. This means you will need to undergo a waiting period before availing coverage under a maternity health insurance plan. Most insurance policies generally have a waiting period of about three years before they cover pregnancy and maternity insurance.

According to a circular from the Insurance Regulatory and Development Authority of India (IRDAI), on standardised definitions, maternity cover in health insurance plans must include the following benefits:

Maternity-related hospitalisation: Hospitalisation expenses will be covered for up to 30 days before delivery and 60 days post-delivery.

Hospitalisation charge: Includes room, nurse, and surgeon; anaesthetist consultation; medical practitioner and emergency ambulance charges.

Newborn baby coverage: Health insurance plans with maternity cover also includes insurance for newborn baby or neonatal care from day one for up to 90 days. Such maternity health insurance plans claim to cover any needs a newborn may have, but it is essential that you enquire about your insurer’s stance on complicated deliveries or premature labour.

What's Not Covered in Maternity Insurance?

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

Pre-existing diseases affecting pregnancy: If you have a pre-existing disease that could affect your pregnancy, such as high blood pressure or epilepsy, you will not be covered under maternity health insurance cover.

Congenital diseases: These are inherited medical conditions that occur in children before or at birth, such as heart disease, Down Syndrome, or spina bifida that are not covered under maternity insurance cover.

Treatment expenses relating to infertility: IVF or infertility treatments are not covered by maternity insurance.

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. Non-allopathic medicines are also not covered.

Doctor's check-up expenses and consultation fees: While you might visit your OB-GYN regularly over your pregnancy, these appointments are not covered under maternity insurance.

Maternity Insurance Cover as a Part of Health Insurance

It is essential to realise how a maternity cover works under a health insurance.

The mandatory waiting period of a health insurance plan that covers pregnancy can range from 2 to 4 years. It becomes imperative, then, to buy maternity cover well in advance. In case you've missed the boat, you can avail of a separate maternity insurance plan by paying a higher premium.

Under maternity health insurance, the age of the insured willing to claim the maternity benefits can be up to 45 years. While this is the age parameter set by most insurance providers for availing maternity insurance, you should ideally check with your insurance provider for more specific regulations. Be aware that the leniency of a maternity health insurance policy could vary depending on the age of the expectant mother. So, while looking for the right maternity health insurance for yourself, always compare their perks in your specific case.

The premium on the maternity insurance covers can be a little high. This is because, unlike a regular health insurance policy, maternity and pregnancy benefits cover an event that is almost inevitable in life. It is important to do a cost-benefit analysis of different maternity insurance plans by comparing several options before narrowing down on what's most suitable for you.

Keeping all these things in mind while buying maternity health insurance ensures that your preparation for the future is foolproof. The whole premise of having maternity insurance cover as a part of your health insurance policy is to ensure that the entire pregnancy process is relaxed for you, and there are no unprecedented stress factors in the form of unplanned expenses. The only focus during this precious time should be on the life-changing experience and your newborn baby.

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!

Disclaimer / TnC

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

Can you get maternity insurance if already pregnant?

Can you get maternity insurance if already pregnant?


Most insurance companies do not offer maternity health insurance if you are already pregnant, as it is considered a pre-existing condition. However, you can buy regular health insurance during your pregnancy.

What health insurance is best for pregnancy?


It is advisable to buy health insurance with maternity cover to have wider coverage. You can consider buying it from TATA AIG, as we offer coverage for most of the expenses, including maternity-related hospitalization expenses up to 30 days pre-delivery and 60 days post-delivery; delivery expenses including pre-and post-natal expenses; hospitalization charges; and coverage for newborn baby. Therefore, TATA AIG's health insurance with maternity cover proves to be one of the best health insurance policies for pregnancy.

What is maternity cover in health insurance?


In health insurance, a maternity cover ensures coverage of expenses up to 30 days before delivery and 60 days post-delivery, hospitalization charges, and delivery expenses, including pre and post-natal expenses. Additionally, it also covers the newborn baby for 90 days. However, to avail of such benefits, it is advisable to buy health insurance with maternity cover as soon as possible because most insurance companies do not offer maternity health insurance while you are pregnant.

What insurance covers pregnancy and delivery?


Health insurance with maternity cover offers coverage for pregnancy as well as delivery. For availing of TATA AIG's maternity health insurance, the age of the insured willing to avail of claim can be up to 45 years. However, usually, there is a mandatory waiting period ranging from 2 to 4 years.

How can I buy/take maternity coverage?


The process to buy TATA AIG's health insurance with maternity cover is very simple. You can apply for maternity health online by filling in your basic details and submitting a few documents. However, make sure that you do not fill in any fraudulent information; otherwise, it might lead to claim rejection later.

What is maternity insurance?


Maternity insurance covers all pregnancy and delivery-related expenses up to the limit specified in your insurance policy. Some insurance companies like TATA AIG also offer coverage for pre and post-natal expenses as well as a newborn baby. However, there is a waiting period ranging from 2 to 4 years, which means you won't be able to avail of the benefits of maternity health insurance during this period, which starts right after your policy is issued.

Generally, maternity health insurance plans also have exclusions such as congenital diseases, pre-existing diseases affecting pregnancy, doctor's check-up expenses, consultation fees, and others.

Therefore, before buying maternity health insurance, it is important to understand the inclusions and exclusions thoroughly.

How is maternity insurance premium calculated?


In the case of maternity health insurance plans, usually, the premiums are high. The reason behind the high premium amount is, under this insurance, the claim is bound to happen, unlike other regular health insurance policies which cover uncertain and unanticipated medical events.

Therefore, due to the certainty of the event, which is pregnancy, the insurers set a higher premium amount of health insurance with maternity cover. However, it is always advisable to perform a cost-benefit analysis before buying any health insurance policy.

What is covered under maternity insurance?


Under health insurance with maternity cover, different insurance providers offer different benefits. TATA AIG offers comprehensive coverage under maternity health insurance, including maternity-related hospitalization expenses upto 30 days pre-delivery and 60 days post-delivery, delivery expenses including pre-and post-natal expenses, hospitalization charges, and coverage for newborn babies.