The joy of maternity is indescribable. So are its costs. While pregnancy and childbirth mark a new chapter in your life, the medical expenses associated with the same can prove to be a burden. That is why many health insurance plans offer maternity coverage as a part of their plan benefits. This coverage comes in handy in meeting the costs of deliveries and pre and post-natal care.
In India, many health insurance plans offer maternity coverage. Here’s a look at some of the most popular ones –
Name of the plan | Coverage limit for childbirth | Newborn baby coverage | Maternity waiting period | Sum insured allowed |
Care Joy | Up to Rs.50,000 | Up to Rs.50,000 | 9 months or 24 months | Rs.3 lakhs or Rs.5 lakhs |
Star Women Care Insurance Policy | Up to Rs.1 lakh | Up to 25% of the sum insured | 12 months or 24 months | Rs.5 lakhs to Rs.1 crore |
Niva Bupa Health Premia | Up to Rs.2 lakhs | Up to the sum insured | 24 months | Rs.1 lakh to Rs.50 lakhs |
HDFC ERGO Easy Health Family | Up to Rs.50,000 | Covered on an optional basis | 36 months or 48 months | Rs.2 lakhs to Rs.50 lakhs |
Universal Sompo Complete Health Insurance | Up to Rs.2 lakhs | Covered under the maternity limit | 36 months that can be changed to 24 months at an additional premium | Rs.1 lakh to Rs.50 lakhs |
Niva Bupa Heartbeat | Up to Rs.2 lakhs | Up to the sum insured | 24 months | Rs.5 lakhs to Rs.1 crore |
Star Young Star Gold | Up to Rs.30,000 | Not available | 36 months | Rs.5 lakhs to Rs.1 crore |
Star Comprehensive | Up to Rs.1 lakh | Up to Rs.2 lakhs | 24 months | Rs.5 lakhs to Rs.1 crore |
GoDigit Smart (Silver is not available) | Up to Rs.20,000 | Up to Rs.20,000 | 24 months | Rs.5 lakhs to Rs.1 crore |
GoDigit Comfort (Gold is not available) | Up to Rs.40,000 | Up to Rs.40,000 | 24 months | Rs.5 lakhs to Rs.1 crore |
While you saw the basics, here are other salient features of the afore-listed plans –
Care Joy:
Care Joy is a specially designed ;maternity-oriented health insurance plan. Some of its salient features include the following –
- Two plan variants of Joy Today and Joy Tomorrow
- Coverage for newborn baby’s birth defects is available under Joy Tomorrow
- The maternity waiting period is the lowest in the industry
Star Women Care Insurance Policy
A health plan designed specifically for women Star Women Care provides a host of maternity-related coverage benefits. Have a look –
- Assisted reproductive treatments are covered; under the plan after a waiting period of 36 months. Coverage is available for up to Rs.3 lakhs
- Outpatient expenses incurred on ante-natal care; after the pregnancy is confirmed and covered.
- In Utero foetal surgeries or repairs are covered for specific treatments
- The expenses incurred on voluntary sterilization are covered
- A lump sum amount; up to Rs.40,000 is paid; if you suffer a miscarriage due to an accident
- Hospitalisation expenses of the newborn baby are covered
- Vaccination expenses incurred for up to 12 months from the baby’s birth are covered
- The cost of metabolic screening of the newborn is covered
- You can avail up to paediatrician consultations for the baby. The cost of the consultation would be covered by the plan up to Rs.500
- You can avail of unlimited gynaecological consultations under the policy
Niva Bupa Health Premia
A comprehensive health insurance plan, Health Premia provides coverage for childbirth and other maternity-related expenses. Here’s a look at the salient features of the plan –
- The newborn baby is covered up to the end of the policy year. There is, thus, no limit of 91-day coverage from birth
- The vaccination expenses of the newborn are covered; till the baby completes one year of age
- Maternity coverage is allowed for up to 2 pregnancies or terminations
HDFC ERGO Easy Health Family
This is a popular health plan that comes in different variants and offers coverage for maternity-related expenses. The features of the plan are as follows –
- Pre and post-natal coverage are included in maternity expenses
- Maternity expenses also include the coverage for the newborn baby up to specified limits


Universal Sompo Complete Health Insurance
As is evident from the name; this is a comprehensive health insurance plan that offers a mix of both inbuilt and optional coverage features. The salient features are as follows –
- Higher coverage limits for normal and Caesarean deliveries
- Pre and post-natal coverage comes inbuilt under the maternity benefit
With so many plans available, you can choose a policy for covering the maternity-related expenses when you start planning for a family. Some tips when choosing the plan are as follows –
- Opt for a higher sum insured because the maternity limit increases with increasing levels of coverage
- Buy the plan as soon as possible so that you can wait out the waiting period
- Look for plans that provide coverage against complicated deliveries, assisted reproductive treatments, etc.
- Compare the coverage vis-à-vis the premium to get a comprehensive plan at competitive rates
Niva Bupa Heartbeat
The plan is a comprehensive policy that comes in two variants of Gold and Platinum. The salient features of the plan are as follows –
- The newborn baby cover is allowed up to the end of the policy tenure; automatically
- The coverage for the baby includes the vaccination expenses and that too up to the sum insured
- The sum insured increases every year by 10% as loyalty bonus even if you make a claim
Star Young Star Gold
The plan offers coverage to young families. Some of the salient features include the following –
- Pre and post-natal expenses are covered under the maternity cover
- Coverage is allowed for up to two deliveries
Star Comprehensive
As the name suggests, this is a comprehensive policy that allows coverage for a range of maternity-related expenses. Some of the notable features include the following –
- The newborn’s vaccination expenses are covered till the child completes one year of age
- If the newborn suffers any medical complications, the treatment costs would be covered
Go Digit Smart and Comfort
Go Digit’s Smart and Comfort are different variants of Go Digit’s comprehensive health insurance plan. Both the variants offer maternity coverage. The features include the following –
- Vaccination costs of the newborn baby are covered from delivery till 90 days
- Complications arising out of pregnancy are also covered under the plan
- You get covered for infertility treatments too
Secure your finances as you start your family with a health insurance plan. With a range of plans available; you would be spoilt for choice. Do your research on https://blog.oneassure.in/ and then buy a suitable policy.