Maternity Insurance

In India, standalone maternity insurance plans are usually not available. Instead, you can cover pregnancy and childbirth expenses by getting a comprehensive health insurance plan with maternity cover or include it separately as an add-on. Here’s how it works:

• Manages Rising Maternity Expenses: Medical inflation in India constantly pushes the cost of hospitalisation, medicines and delivery procedures. As per a study, Indian women spend ₹12,705 to ₹46,000 on institutional deliveries at private facilities. A maternity health plan covers such high expenses.
• Provides Complete Pregnancy Coverage: The financial strain of pregnancies can affect your family’s long-term goals and deplete your savings. Medical insurance with maternity cover helps your finances by covering gynaecologist consultation fees, blood tests, delivery procedures, hospitalisation and first-year vaccinations.
• Safeguards Against Delivery Complications: Although every family wishes for a smooth pregnancy, delivery complications like prolonged labour, abnormal fetal positioning and umbilical cord prolapse can lead to longer hospitalisation and higher costs. Pregnancy insurance with delivery complications coverage helps with these expenses.
• Access to Premium Maternity Care: Having a maternity health insurance secures access to top-tier private hospitals, neonatal intensive care units and top-rated obstetricians. By lowering your financial barriers, you get access to private rooms, advanced medical procedures and the highest quality of care without any compromise.

TATA AIG offers two health plans for pregnancy, including the MediCare Premier, which offers maternity coverage as a built-in cover and the MediCare Select plan, which lets you add maternity benefits with optional add-ons.

The EmpowerHer add-on, available with MediCare Premier and MediCare Select, covers gynaecologist consultations, infertility treatment and various antenatal and postnatal expenses.

Explore the features and benefits of both the plans and pick the most suitable one:

Disclaimer: The above features and benefits are not exhaustive and subject to terms and conditions. Please read the policy document carefully.

What’s Covered Under Maternity Cover

• Maternity Expenses: Includes normal, caesarean, and complicated deliveries during hospitalisation. Also covers lawful medical termination of pregnancy.
• Delivery Complications: Covers your newborn’s medically necessary treatment for delivery-related complications.
• First-Year Vaccinations: Covers vaccinations for the newborn child up to their first birthday.

Coverage Available Under the EmpowerHer Rider

• Consultations and Counselling: Covers gynaecologist consultations and infertility counselling through empanelled service providers.
• Infertility and Sterilisation: Covers infertility treatments, including in-vitro fertilisation (IVF), intrauterine insemination and embryo transfer, and voluntary sterilisation of the insured woman.
• Antenatal and Postnatal Care: Antenatal and postnatal consultations, checkups and blood tests from confirmation of pregnancy to six weeks post-delivery.
• Home Assessment and Modification: Covers home inspection and fixed compensation for home alterations for baby/infant care.
• Maternity Buddy Program: Advice and sessions held by healthcare professionals under the Maternity Buddy Program.

What’s Not Covered

• Any pregnancy-related claims filed before completing the waiting period.
• Pre- and post-hospitalisation cover for maternity-related admissions.
• Voluntary and non-essential termination of pregnancy.
• Expenses related to ectopic pregnancy.
• Delivery complications or first-year vaccinations without an admissible claim under maternity expenses.
• Congenital external conditions, non-institutional deliveries, vitamins and supplements bought without a prescription, and other general exclusions.

Disclaimer: The above list of inclusions and exclusions is not exhaustive and is subject to terms and conditions. Please read the policy documents carefully.

When buying maternity insurance, it’s important to be aware of the waiting period and its implications. Since most maternity health insurance plans have a waiting period of 2-3 years, ensure you purchase your selected plan well before your planned conception. Ideally, you should get maternity coverage at the time of marriage or before planning to start a new family.

To secure the maximum benefits, get maternity coverage 2-3 years before planning a family. A good reason to get your maternity coverage early is to meet the pre-existing disease waiting period (usually 3 years). This ensures financial protection from conditions like diabetes, hypertension, cardiac diseases and respiratory issues, which can result in delivery complications.

The age eligibility depends on the policy you choose. Below are the highest available eligibility limits across our plans.

• Entry Age: 18 years with no maximum age limit.
• Waiting Period. 2-3 years.
• Policy Tenure: Policy terms available include 1, 2 and 3 years.
• Family Floater Option: Up to 7 family members, including self, spouse, children, parents and parents-in-law.
• Pre-Policy Checkups: No pre-policy check-up up to 45 years (up to ₹50 lakh sum insured) if there are no pre-existing illnesses. Tele/ video medical examination is required in all other scenarios.

Maternity health benefits do not activate immediately. The insured person must complete a specific waiting period by keeping continuous coverage through renewals before they can claim any delivery or pregnancy-related benefits. The duration of the maternity waiting period depends on the plan:

• TATA AIG MediCare Premier: Requires continuous coverage of 3 years (36 months) to claim maternity cover.
• TATA AIG MediCare Select: Requires continuous coverage of 2 years (24 months) to claim the Maternity Care rider. The waiting period can be reduced to 1 year if you include the Reduction of Maternity Care Waiting Period rider.

Consider the following factors to select the best health insurance in India for maternity coverage:

• Coverage Limit: Whether it’s a feature or an add-on, the maternity cover comes with an expense limit or sub-limit. This limit is often separate from the base sum insured. Check whether the limit is sufficient for your selected hospital.
• Waiting Period: As mentioned before, maternity covers come with a specific waiting period. Health plans also carry waiting periods for pre-existing conditions and specific diseases. Select a plan with the lowest possible waiting periods.
• Hospital Network: Review the provider’s size and extent of network hospitals where you can get fast claim settlements and minimal verification. Check whether it covers reputable maternity hospitals and nursing homes.
• Coverage Features: Before selecting a health insurance with maternity cover, always check the benefits first. Know if it covers delivery charges, hospitalisation expenses, antenatal and postnatal care, assisted reproductive services, etc., based on your needs.
• Newborn Baby Cover: A good maternity plan offers additional covers for the newborn baby, including first-year vaccinations, postnatal checkups and consultations and essential medical treatment. Some plans may even cover home assessment, online sessions and personalised services.

How to Buy Maternity Insurance

1. Scroll to the top of this page and click on ‘Want to buy insurance’.
2. Enter the required details, including your date of birth, mobile number and PIN code and click on ‘See Plan’.
3. Compare the available plans (MediCare Premier and MediCare Select). Choose one depending on your maternity and healthcare needs.
4. Enter the coverage details, including the sum insured and policy tenure. Include maternity add-ons and other optional covers.
5. Review the final premium price and complete your payment online to finish your purchase.

How to Renew Maternity Insurance

1. Scroll to the top of this page and select ‘Health’ under the ‘Renewal’ menu.
2. Enter your existing health insurance policy number and click on ‘Renew’.
3. Check and confirm your existing policy details and No Claim Bonus. Modify the coverage terms and include maternity riders as needed.
4. Pay the premium amount online to renew your health plan with maternity benefits.

Purchase Maternity Cover in Minutes

• Duly filled and signed application form
• Proof of Identity (e.g., Aadhaar card, passport, or driver’s licence)
• Proof of Address (e.g., Aadhaar card, passport, or voter ID card)
• Proof of Income (e.g., recent salary slips, tax return forms, or bank statements)
• Medical documents (e.g., previous medical records, prescriptions, previous policy documents)

The cost of your pregnancy cover varies based on your chosen plan, add-ons, applicable bonuses and various risk factors. Explore the most important factors that affect your premium costs:

• Age of the Insured: Younger applicants generally attract lower premiums, as health and pregnancy-related complications typically rise with age.
• Sum Insured & Sub-limits: Choosing a plan with a higher base coverage amount or a broader list of inclusions will increase your overall premium.
• Geographical Location: Premium rates are heavily influenced by where you live. Medical treatment and room rents in tier-1 metro cities are more expensive, driving up the cost.
• Add-ons: Opting for specific riders, including newborn covers, waiting period reduction and women-specific covers, will increase your premium costs.

To find the exact cost for specific family planning needs, use the online TATA AIG Health Insurance Premium Calculator. Input your age, city of residence and lifestyle habits to get an accurate estimate for your selected terms for medical insurance that covers pregnancies.

Cashless Claim

1. Inform TATA AIG about your planned or unplanned delivery via the customer helpline (022-6489-8282), claim portal, or mobile app. Submit your claim at least 48 hours before a planned delivery, or within 24 hours of an emergency admission.
2. Upon arrival at the network hospital, submit your health insurance card, a copy of your policy documents, and valid identification proof.
3. The hospital will submit the pre-authorisation request form to the insurer. Rest and focus on your delivery while we verify your claim and send an approval letter directly to the hospital.

Reimbursement Claim

1. Provide immediate notice to TATA AIG within 24 hours of hospital admission. Complete your treatment, pay all hospital bills upon discharge, and collect every original document, bill, and prescription.
2. Fill out the official reimbursement claim form. Submit it along with your original medical bills, payment receipts, pharmacy prescriptions, diagnostic reports, and the hospital discharge certificate to the insurer.
3. Wait as we process and verify your claim and documents. Once approved, the verified reimbursement amount will be transferred directly into your registered bank account.

• Duly filled and signed claim form
• Copy of health insurance card
• Copy of health insurance policy documents
• Original inpatient hospitalisation bills
• Discharge card from the hospital
• A valid medical investigation report
• Original pharmacy bills and medical store receipts
• Doctors prescriptions and diagnostic reports
• Receipts for prescribed medical consumables
• Bills and receipts for doctors’ consultations
• Any other document as required by the TPAx