Is maternity covered in health insurance?

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Maternity can be covered in a health insurance policy, but it is not automatically included in all health insurance plans. Individuals can avail themselves of maternity advantages as an add-on; however, the terms and conditions of the policy may vary.


Maternity coverage includes expenses related to normal and caesarean deliveries as well, along with any pre and post-natal costs. In addition, many insurance companies in India also cover the medical expenses of a newborn baby for a particular period.


What does Health insurance with maternity benefits cover?


Health insurance plans with maternity benefits cover normal as well as caesarean (C-section) delivery expenses. Some other things covered are:



  • Delivery costs (normal or cesarean)

  • Hospital room charges

  • Doctors’ fees

  • Nursing costs

  • Medicines and other delivery-related expenses.

  • Pre- and postnatal medical expenses

  • Ambulance charges


Key Factors to Consider in Maternity Health Insurance Coverage



  1. Coverage for Prenatal and postnatal costs: This is one of the primary elements you need to look for in a maternity health insurance coverage. The plan should provide coverage for prenatal and postnatal expenses, as it can offer you financial security and peace of mind during any phase of life.

  2. Waiting Period: Most of the health insurance plans in India have a waiting period for maternity benefits. Buy a health insurance plan with maternity benefits early so that you can serve the waiting period on time.

  3. Coverage for Newborn Baby: Not all, but some health insurance policies cover newborn baby expenses. These expenses include vaccinations, medical check-ups, etc. However, remember this coverage is beneficial only for the first 90 days.

  4. Network of Hospitals: Do a thorough research and check if your preferred hospitals are included in the plan’s network.

  5. Coverage Limits or Sub-Limits: Make sure to check whether the coverage amount is sufficient on the basis of hospital costs in your city.


When Should You Buy Health Insurance that covers maternity costs?


The following are the situations when you should consider purchasing health insurance with maternity cover:



  • Those planning to start parenthood in the coming years.

  • Newly married couples

  • You are planning to begin a family soon.

  • Those planning for a second baby.

  • People about to get married

  • Couples who want to be financially prepared


Final Thoughts


Maternity is covered in health insurance plans, but coverage varies. It is advisable to plan ahead and choose the right policy.