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  • Maternity Health Insurance Plans - An Overview

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    What is Maternity Health Insurance?

    Maternity insurance provides cover for maternity-related expenses. According to latest reports, the average age of women becoming mothers has risen to 32 to 33 years in India. There is a view that women who have their first child in their early 30s are more likely to have complicated pregnancies. Significantly, the ratio of caesareans to normal deliveries stood at 65:35 in metropolitan cities, according to a study done in the recent past. Several women are, therefore, increasingly opting for health insurance plans which offer maternity expenses as well. Typically, maternity insurance plans come with high premiums and long waiting periods.

    Maternity-related expenses are covered in the form of riders of a health insurance product (policyholders will be charged additional premium for the cover). In some cases, maternity coverage comes under the ambit of OPD related expenses. In other cases, group policy in the company encompasses maternity insurance.

    Features and Benefits of Maternity Health Insurance:

    The salient features and benefits of health insurance for maternity coverage are listed in the table below:

    Features Description
    Waiting period Most maternity health insurance policies have a waiting period of 3 to 6 years in that a policyholders can claim benefits only after the said period of time post commencement of insurance policy. Group insurance policies which offer maternity coverage have a waiting period of 9 months (sub-limit not above Rs.50,000)
    Inclusions/Coverage Varies according to the insurance provider but the general expenses which may be covered are as follows:
    • Hospitalization expenses (with a cap)
      • Pre-hospitalization expenses:30 days
      • Post-hospitalization expenses: 60 days (room charges, nursing expenses, anesthetist charges)
    • Delivery expenses
    • Vaccination of the infant (some cases)
    • Ambulance charges
    • Pre and post-natal expenses (depends upon the type of delivery - caesarean and normal)
    • Baby cover (if newborn is diagnosed with congenital disorders)
    • Emergencies (several insurance providers cover emergencies for up to Rs.50,000)
    Premium A health insurance policy with maternity benefit is expensive as it is considered a high risk product owing to almost 100% claim ratio as opposed to other insurance policies. Premium, which is typically higher than basic policies, depends upon various factors as listed below:
    • Type of industry
    • Risk factors
    • Age profile
    • Number of employees (group policies)
    • Company location (group policies)
    Maternity-Insurance-Plans

    What's the Right Time to Seek?

    Maternity is a life-altering journey for a women in more ways than one. With rising medical inflation and overall expenditure, childbirth-related expenses have become expensive. Lack of proper planning may result in you burning a hole in your pocket which may override the happiness of being blessed with a child. According to experts, you should plan well in advance given that maternity health insurance policies, typically have a long waiting period, which may prove to be tricky for most consumers.

    Given that most insurance companies do not offer maternity health insurance to women who are already pregnant, deeming it as a pre-existing condition, women who wish to take maternity insurance should apply for it before they conceive. It is important to note that most maternity health insurance policies have a waiting period of 3 to 4 years. Maternity health insurance is, therefore, a critical aspect of a planned pregnancy.

    Exclusions of Maternity Health Insurance:

    • Non-allopathic treatment costs
    • Consultation fees
    • Regular check-ups
    • Medicine costs
    • Congenital diseases
    • Termination of pregnancy (under 12 weeks)
    • Pre-existing ailments or injuries diagnosed within 48 months of the policy commencement
    • Expenses related to self-inflicted injuries, drug use or alcohol
    • AIDS treatment-related expenses
    • Dental treatment expenses
    • In-vitro fertilisation and infertility-related expenses

    Maternity Health Insurance Claims Process:

    While the claim process may vary from one insurance provider to another, in most cases, policyholders have to follow the below mentioned procedures

    • Claim intimation (Emergency cases within 24 hours of hospitalisation and planned hospitalisation within 48 hours)
    • Cashless pre-authorisation entails the following:
    • Fill out the pre-authorisation form available at TPA desk or download it from the insurance provider’s website.
      • Upon receiving the pre-authorisation form, the claim management team of the insurance company sends a letter of approval
      • You can then file for your re-imbursement claim
    • Re-imbursement claim process entails the following:
      • You have to fill in and submit the claim form in addition to the documents required to the insurance company
      • Upon receiving the said form, the claim management team of the insurance company sends a letter of approval

    Some of the Maternity Insurance Plans:

    The following are some of the maternity health insurance plans available in India:

    Company Name Plan Name Link to Plan Details
    Max Bupa Heartbeat Family Floater Read more
    Religare Joy Tomorrow Read more
    Apollo Munich Easy Health Young Family Read more
    Royal Sundaram Lifeline elite Read more
    Star Health Wedding Gift Read more
    HDFC ERGO Health Suraksha Gold Read more

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Maternity Health Insurance Plans Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "Recommendble Top up policy"
      0.5 5.0/5 "Blown Away!"
      I have done health policy top up with HDFC Ergo, the customer service is also very good. There is no processing fee for the top up, they gave me the medical amount Rs. 12 lakhs for entire family its for 3 person, I don't have claim experience. They are covering major or minor but for waiting period for pre existing is three years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2018
    • Oriental Insurance Health Insurance
      "Need to improve on the coverage"
      0.5 4.0/5 "Great!"
      One of my friend have suggest this company, the medical coverage value is low around Rs. 3 lakhs then I have top up with HDFC Ergo. But Oriental insurance have tie up with many hospital in Hyderabad, I got my medical card on time, I need to approach through paper.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I already a health insurance with HDFC Ergo. I am satisfied with the benefits. The policy coverage is one year. It covers only minor disease. There is no claim experience. They provide a good network of hospitals for the cashless treatment. I don't get any reminder call for the policy renewal.
      Was this review helpful? 0
      , panipat
      Reviewed on Nov 13, 2018
    • National Insurance Health Insurance
      "Very low premium policy"
      0.5 4.0/5 "Great!"
      I have not used the health insurance for any kind of claim services. The health insurance policy from National has been issued from my organization. I have called the customer care service for a normal enquiry and the response was good. They have given me a coverage value of Rs. 5 lakhs and all the family members of mine is included in this policy.
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • Royal Sundaram Health Insurance
      "Good Experience"
      0.5 4.5/5 "Excellent!"
      I have two claim with Royal Sundaram, it was hassle free. I need to submit few documentation the process was quick. I got the reimbursement I didn't get the cash less hospitalization. On my nearest place there is no hospital which they got tie .
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 12, 2018
    • New India Health Insurance
      "Good Health Policy and providing good reimbursement"
      0.5 5.0/5 "Blown Away!"
      My company provided New India vidol ttk medical card with the coverage Rs. 1 lakh they are providing cash less hospitalization. The policy activation is very good, I have submitted normal documents two times I used my policy for health issue and for my wife's delivery, I received 100% of reimbursement amount within 15 days.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 12, 2018
    • Cigna TTK Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Previously I had a health insurance with Cigna TTK and now moved to new insurer. They provide a cashless treatment in good hospitalization. I have not gone for claim process. The medical coverage is good and don't know about the cashless. I paid around Rs.5500 for a one year.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • National Insurance Health Insurance
      "Very easy to get a claim"
      0.5 4.0/5 "Great!"
      My employer has provided me a health insurance with National Insurance. They have given the health insurance policy for my family also. I have got the coverage amount of Rs. 29 lakhs and the chained hospitals list was good. In ten days, i have got my claim settlement. They are providing a cashless treatment facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 12, 2018
    • ICICI Lombard Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance from Icici Lombard insurance for my parents . Am satisfied with the premium amount which is quiet good. I make the payment yearly, but it has the benefits of cashless hospitalization and pre disease coverage . Am satisfied with their service and response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 10, 2018
    • Cigna TTK Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I got health insurance from Cigna TTK insurance through my company , The premium amount is been paid through my company . This policy covers Cashless hospitalization. Pre diseases coverage . Overall am satisfied with policy coverage and policy benefits .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 10, 2018
    • Religare Health Insurance
      "Good protection for health"
      0.5 4.0/5 "Great!"
      Major factor to avail Religare health is because of the premium amount is low and few more options are good with them. But there is a waiting period for pre existing disease benefits however I got the medical card on time with the coverage value of Rs.5 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 10, 2018
    • Reliance General Health Insurance
      "Good for health and family"
      0.5 5.0/5 "Blown Away!"
      RBL bank have suggested Religare health medical policy, then I availed health policy from them. I selected the medical cover of Rs. 5 lakhs with accidental cover of Rs. 5 lakhs. Every year I used to pay Rs. 2500 as premium for my health policy.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 05, 2018
    • National Insurance Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance in National Insurance for me and my family. The policy covers minor disease and critical illness. The customer service is excellent. Am paying yearly 16K as a premium. Last year have applied for claim, the refund was 100% excluding food. The policy coverage is 10L, I have taken in the year of 2005 or 2006. Am getting good benefits on this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 03, 2018
    • Tata AIG Health Insurance
      "Good for Health"
      0.5 4.0/5 "Great!"
      MY friend have referred Health insurance with TATA AIG, because of the good coverage they give complete family protection. I got the mediclaim amount of Rs. 3 lakhs, they have pre existing cove , I can use after a year. I am satisfied with the policy benefits.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Nov 02, 2018
    • National Insurance Health Insurance
      "Good for Health"
      0.5 4.5/5 "Excellent!"
      I got National insurance health policy, I have the total cover for Rs. 5 lakhs its for entire family. They provide cash less hospital and pre existing disease cover, I am satisfied with the benefits of the policy. But I have not use this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 02, 2018
    • HDFC Ergo Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance form Hdfc ergo .Am satisfied with the premium amount which am making the payment yearly . Their customer representative explained the benefits and features of the policy . They have given the list of network hospitals and health card also. This policy covers cashless hospitalization and pre disease coverage . I make the payment through net banking .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 02, 2018
    • United India Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from UNITED INSURANCE . Am satisfied with the premium amount which am making the payment . This policy covers cashless hospitalization . They have given the network list of hospital . Overall am satisfied with the policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 01, 2018
    • Religare Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Religare from last 1 year, i am not aware of the premium amount for this insurance. I have not claimed anything so far from this insurance policy. I have a coverage value of Rs 3 lacs for this insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 01, 2018
    • ICICI Lombard Health Insurance
      "Need scope of improvement on claim process"
      0.5 4.0/5 "Great!"
      My I-protect family health plan is good, overall cover is for 15 lakhs for my entire family. They giving pre existing and cash less hospitalization cover. The service is also great but I heard they are not good in claim, they have some length process, they need some scope of improvement.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 01, 2018
    • Apollo Munich Health Insurance
      "Very Good services"
      0.5 5.0/5 "Blown Away!"
      I have been renewing the health insurance policy with Apollo Munich for last 5 years. I pay the premium amount of Rs. 11000 and my entire family has been covered in this policy. They are providing the coverage value of Rs. 3 lakhs. When i met an accident, they have given me a claim amount of Rs. 1.45 lakhs. I have availed the cashless treatment for claim. Very Good hospitals are covered in this policy
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 01, 2018
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