The ‘good news’ of being pregnant certainly brings with itself a lot of joy and excitement. The feeling of becoming parents is no less than a bliss. However, the process of pregnancy and child birth involves a lot of complications and financial obligations owing to regular medical check-ups, diagnostic tests, medicines, hospitalisation, and delivery expenses.

A pregnancy insurance policy is designed to take the financial load off the would-be parents by covering almost all maternity related expenses, ranging from medical check-ups to post-birth care of the mother as well as child. Read on to know more about it.

What all is covered by the pregnancy insurance policy?

A pregnancy insurance policy, also known as the maternity insurance plan, usually covers the following:

  • Hospitalisation and delivery expenses
  • Expenses related to the hospitalisation of expecting mothers for the delivery (both normal and caesarean) of baby are covered by the maternity policy. This include hospital room’s rent, OT charges, nursing charges, anaesthetist and surgeon charges, ambulance fees, etc.

  • Pre and post-natal expenses
  • Medical expenses incurred before and after the delivery of baby, including charges for diagnostic tests, medicines, doctor’s consultation fees, follow up visits etc., are also covered under the pregnancy insurance policy.

  • New born baby care
  • Expenses related to new born baby care are also covered by the pregnancy insurance policy for up to 90 days after the birth of child. This include medical expenses incurred on the baby as well as the charges for its vaccination.

What is excluded from the policy coverage?

Generally, the following conditions are excluded from the coverage of a pregnancy insurance policy:
  • Pregnancy complications arising due to pre-existing diseases
  • Congenital disorders
  • Treatment of ectopic pregnancy
  • Voluntary termination of pregnancy or abortion
  • Expenses related to in vitro fertilisation

What about the waiting period?

Maternity insurance policies usually come with a long waiting period. Usually, these policies have a minimum waiting period of 2 years that can stretch up to as much as 6 years. Therefore, it’s wise for the couples to purchase a health insurance with maternity benefits as soon as they get married so that they can avail its benefits during the hours of need.

Are there any sub limits?

Health insurance policies that offer maternity benefits usually come with an in-built sub limit on the maximum coverage that can be availed. This means that if a health insurance plan offers a coverage of say few lakhs of rupees, only a certain part of it will be available as maternity coverage. Usually, it ranges from 10 to 20 percent of the total coverage offered by the policy.

The Final Advice

Before buying a health insurance policy with maternity benefits, it’s imperative to understand its terms and conditions holistically to make an informed decision. Compare various policies with respect to its inclusions, exclusions, waiting period, sub limits etc. and opt for the one which offers optimum coverage, considering the medical inflation.

Learn more about different Health Insurance Plans here.


The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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