• 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
    • ICICI Lombard Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with ICICI lombard from last 2 years and it is a good insurance policy to use. My premium of this policy gets auto deducted from the salary account. My claim experience was not up to the mark. I have a coverage of Rs 1.5 lakhs for accident and Rs 1 lakh for health. I am happy with the coverage and benefits of this policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 23, 2018
    • ICICI Lombard Health Insurance
      "Got it with my Loan"
      0.5 4.0/5 "Great!"
      I have been paying Rs.4000 as an annual premium for this health insurance. They are offering me a coverage of Rs.1 Lakhs in it. I took it as an add on along with my Loan and felt the Insurance to be quite a good one to have. The overall experience with it has been good.
      Was this review helpful? 0
      , goa
      Reviewed on Feb 22, 2018
    • Oriental Insurance Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Around 2 years ago , I have got the health insurance policy from the ORIENTAL INSURANCE. This policy covers 4 members in my family. This policy has the medical coverage amount up to 2 lakhs. The customer support service and the response is better with the ORIENTAL HEALTH INSURANCE POLICY.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • SBI General Health Insurance
      "Good policy to hold"
      0.5 3.0/5 "Satisfactory"
      I had my health insurance with SBI General Health Insurance. I had this health insurance 1.5 years ago but till now I do not had any claims so far with them and the coverage limit for this policy is 3 lakhs which covers me and my family members. Company paid half of the premium and I paid the remaining half.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • Royal Sundaram Health Insurance
      "Good Coverage"
      0.5 4.0/5 "Great!"
      I recently took a SBI credit card and along with it I got the additional optional option of taking this Insurance. I like the Insurance and decided to take 2 schemes from them. I have been paying Rs.6000 as an annual premium and the total coverage that I would be getting is Rs.6 Lakhs (i.e. 2 Rs.3 Lakhs coverages) for 4 people. I haven't received details about my second Insurance yet.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • National Insurance Health Insurance
      "Its good health coverage policy"
      0.5 5.0/5 "Blown Away!"
      National has good hospital facility, they are recommending high profile hospitals with cash less treatment. I make premium around Rs. 4500 per year. Its covers only for me. Medical sum assured Rs. 1.5 lakh, I hope they are providing pre existing disease as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • HDFC Ergo Health Insurance
      "Good insurance"
      0.5 5.0/5 "Blown Away!"
      My health insurance was offered by the company from HDFC Ergo. The policy coverage was around 3L for annually. They have a good networks of hospitalizations. The customer service was good. I got the insurance papers on time. It is a free policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I got the UNITED INDIA INSURANCE health insurance policy around 4 months ago. This policy covers 2 members in my family. I have got the medical coverage up to Rs,3,00,000 from this UNITED INDIA INSURANCE health insurance policy. I never got any claim experience with this policy .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Max Bupa Health Insurance
      "Good Protection for Health"
      0.5 4.0/5 "Great!"
      Max Bupa gives the medical cover around Rs. 2 lakhs its covers only for me. I paid around Rs. 2500 as premium amount for one year. They do have tie up with good hospital. I hope Max Bupa is providing tax benefits and no claim bonus on the health policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Religare Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      RBL gave me the Health insurance from Religare , without my knowledge they have charged me Rs. 3000 of premium, for the tenure of one year. Religare premium was converted into EMI. Religare gave me the medical cover around Rs. 1.5 lakh with cash less treatment facility and they got tie up around 1000 hospital in India.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Star Health Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have paid Rs,8000 to get the health insurance policy from the STAR HEALTH & ALLIED INSURANCE company. This policy covers 3 members in my family and it gives the medical coverage of Rs,3,00,000 and I never had any claim experience so far and I have got this policy around 5 months ago.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Royal Sundaram Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with Royal sundaram.The premium amount is is 2500,the policy coverage is five lakhs,24 hours hospitalization. for any kind of claims.The payments is done online.I have no claim experience and cashless treatment is covered 95%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Bajaj Allianz Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance with Bajaj allianz,the premium amount is not paid my me as its offered by the company.The policy coverage is six lakhs including the family members.This is covered mediclaim as well as health insurance.The policy was taken two years back and no claim experience.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • United India Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance from UNITED INDIA INSURANCE. They provide cashless facility. And i dont have any previous claim experience. Yearly i have to renew the policy. This policy cover my family and myself. They provide cashless facility.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 19, 2018
    • Star Health Health Insurance
      "Better"
      0.5 1.0/5 "Really Bad"
      I am having the health insurance policy with the Star health insurance company. Coverage value is around 3 lakh Rupees. I would like to say that the response is fine one for me with them and the customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 17, 2018
    • National Insurance Health Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the National Insurance company. I used to talk with them very often and the claim went in easy manner. Everything went in the good aspects with them till now.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 17, 2018
    • Religare Health Insurance
      "Its Best"
      0.5 5.0/5 "Blown Away!"
      I have corporate insurance from Religare Health, I didn't check the benefits, I believe I got medical cover upto Rs. 3 lakhs for my entire family. I got Religare e card. If in case of any emergency if I admit more than 24 hours I can get the reimbursement. I would suggest to enable daily check on insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Bajaj Allianz Health Insurance
      "Good Insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a Mediclaim plan with Bajaj. I have had a good claim experience with them. They gave the amount pretty easily. Even in case of my relatives experience Baja readily payed about Rs.75000 for the treatment. The number of network hospital in it are pretty good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • Religare Health Insurance
      "Bad Experience"
      0.5 1.0/5 "Really Bad"
      This is my first term with Religare Mediclaim plan. 7 months down my Insurance my Brother had an accident, and consequently they didn't cover me up during this time. I had to pay more than Rs.1 Lakhs for the treatment. I applied for it thrice and all the three times it got rejected, they said accidents aren't covered in this Insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • Royal Sundaram Health Insurance
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have taken Royal Sundaram Health Insurance policy,i purchased two months ago,the premium amount is is 6000 paid per annum,I dint receive the kit as yet.The policy coverage is three lakhs and they would cover 100% cashless treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
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