Maternity Insurance: Best Pregnancy Insurance Plans In India

Aditya Birla ActivOne Maternity Plan

The Aditya Birla ActivOne Maternity plan is one of the only two pregnancy insurance plans that provides coverage to women who are already pregnant along with future mothers. The plan offers the lowest maternity insurance waiting period in the industry of only 3 months. However, the pregnancy cover is available only under a policy tenure of 3 years and can be claimed only once in the lifetime of the policy.

Aditya Birla Activ Fit Preferred Plan

The Aditya Birla Activ Fit plan offers coverage for maternity expenses under the Preferred variant. It accepts claims for up to two pregnancy events, including delivery and termination in the insured’s lifetime.

Care Joy Tomorrow Maternity Insurance Plan

Care Joy Tomorrow Maternity Insurance plan has been designed to cover the maternity health needs of pregnant women. The plan offers coverage for maternity expenses as well as newborn baby treatments.

ICICI Lombard Elevate Plan

The ICICI Lombard Elevate plan covers pregnancy-related medical expenses under the Maternity Package rider for women up to the age of 50 years. This pregnancy cover is available only under family floater plans where both the insured and the spouse are covered. Moreover, the plan covers a maximum of three deliveries or pregnancy terminations during the lifetime of the policy.

ICICI Lombard Health AdvantEdge Plan

The ICICI Lombard Health AdvantEdge plan provides maternity benefit to insured women under the Maternity Package rider. The cover is available to women up to the age of 45 years and for a maximum of three deliveries or terminations.

ManipalCigna ProHealth Prime Advantage Insurance Plan

ManipalCigna ProHealth Prime Insurance plan offers coverage for maternity expenses under its Advantage and Protect variants on opting for the Prime Enhanc Plus rider. However, the maternity cover is available for a maximum of two deliveries or terminations during the policy lifetime.

ManipalCigna Lifetime Health Plan

The ManipalCigna LifeTime Health plan offers coverage for pregnancy-related medical expenses incurred by the insured mother under the Maternity cover rider. The plan covers a maximum of two deliveries during the lifetime of the policy.

Niva Bupa Health Premia Plan

The Niva Bupa Health Premia plan provides coverage for maternity expenses and treatments availed by the newborn baby. However, this pregnancy cover is available only under family floater or family first plans.

Niva Bupa Aspire Plan

Niva Bupa Aspire plan has introduced the M-iracle benefit, which offers extensive coverage against medical expenses resulting from pregnancy. It comes with a maternity insurance waiting period of as low as 9 months to up to 2 years, depending on the variant. Moreover, the plan carries forward any unutilized M-iracle sum insured for up to 10x with the Booster+ benefit.

Reliance Health Infinity Insurance Plan

Reliance Health Infinity Insurance is a comprehensive health plan that covers medical expenses incurred during pregnancy and on newborn baby treatment. The More Cover option can also be opted to increase the maternity coverage limit in this policy. However, this pregnancy cover is available only for policies with a tenure of 3 years.

Star Women Care Insurance Plan

The Star Women Care Insurance plan is the first in the industry to offer maternity coverage to women who are already pregnant, along with those planning their pregnancies. However, pregnant women must submit their scans between the 12th and 20th week of pregnancy to purchase this health insurance for women.

Star Comprehensive Insurance Plan

Star Comprehensive Insurance plan provides maternity coverage for delivery expenses and newborn baby treatment. However, this coverage is available only if both the insured woman and the spouse are covered in this policy on an individual or floater basis.

Star Health Assure Insurance Plan

Star Health Assure Insurance plan provides comprehensive coverage for various maternity-related expenses, including childbirth. However, both the insured and their spouse should be covered in this policy either on an individual or floater basis to avail the maternity benefit.

Star Health Young Star Gold Plan

Star Health Young Star plan offers maternity cover to pregnant women under its Gold variant. The coverage is available for a maximum of two deliveries during the lifetime of the policy. However, a fresh waiting period of 2 years will apply once the first maternity claim is paid.

Tata AIG Medicare Premier Plan

The Tata AIG Medicare Premier plan offers maternity coverage to insured women along with coverage for the newborn baby's treatment. The plan also offers a higher maternity coverage limit in case a girl child is born.

Zuno Health Insurance Plan

The Zuno Health Insurance policy provides coverage for maternity expenses incurred by the insured mother under their Gold and Platinum variants. However, the plan does not cover newborn baby expenses.