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/Maternity Cover
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What is Maternity Cover in health insurance?
Pays for the costs of having a baby - including normal delivery, C-section, pre-natal check-ups, and post-natal care - up to a fixed limit. Almost all plans have a waiting period (usually 9 months to 3 years) before this benefit kicks in.
Also called: maternity benefit · pregnancy cover · delivery cover (normal and C-section)
Star Health
Star Health Assure
StandardKey for Families
Delivery is covered up to 10% of your sum insured, and pre-natal and post-natal expenses sit inside that same 10%. You wait 24 months from the first policy, and both you and your spouse must have been covered for those 24 months. Only 2 deliveries are payable in a lifetime; later deliveries carry no fresh waiting period.
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Watch out
Pre-hospitalisation and post-hospitalisation expenses are not paid under this section, so tests before admission and follow-ups after discharge are paid by you. The 10% cap covers normal delivery and C-section together - on a ₹10,00,000 sum insured that is ₹1,00,000 for the whole delivery.
ICICI Lombard
Elevate
LimitedKey for Families
Maternity is not in the base cover. You buy it one of two ways, and only one at a time: Optional Cover 5 pays 10% of your Sum Insured up to ₹1 Lakh, on a family floater policy only, or the Elevate HER Nurture add-on gives a separate maternity Sum Insured of ₹75,000 to ₹2,00,000. Both carry a 24-month waiting period.
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Watch out
Optional Cover 5 pays at most ₹1 Lakh for a delivery, and you can buy it only on a family floater policy at a renewal. You cannot hold it together with the Elevate HER Women Care add-on, so taking one rules out the other.
HDFC ERGO
Optima Secure – Optima-Secure
LimitedKey for Families
Maternity is available only if you buy the separate Parenthood add-on, and a claim is payable only after 2 years from the date you take it. One part survives without the add-on: ectopic pregnancy is carved out of the exclusion and is paid as an ordinary hospitalisation claim.
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Watch out
If you plan a baby within the next two years, this product will not pay for the delivery even with the Parenthood add-on. A normal delivery in a metro private hospital costs roughly ₹75,000 to ₹1,50,000, and you pay all of it from your own pocket during those 2 years.
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