The maternity & newborn coverage in family health insurance provides coverage for pregnancy-related expenses in the prenatal, delivery, and postnatal periods. This coverage extends to the mother during and after pregnancy and also to the newborn baby. Depending on the policy, the coverage varies. Pregnancy is one of the most incredible experiences for women, but are they provided adequate care without a financial burden on the family? Normal deliveries can cost anywhere from 30,000 to 80,000, and it can go up to 1,20,000 for C-section deliveries. This can increase even further if there are pregnancy complications and the baby needs care after birth. This is where maternity health insurance for family comes into the picture. Let's understand maternity insurance in detail.
Plans start at just ₹21/day*.
We pay 100% of your hospital bills
From syringes to surgeries
No limit on hospital room rent
No compromises on recovery
10% growth in sum insured every year
To keep up with rising healthcare costs
Maternity & Newborn Coverage in Family Health Insurance
Maternity coverage in family health insurance is a type of insurance policy that covers maternity expenses. This can include prenatal checkups, delivery costs, and postnatal care expenses. Depending on the policy, the coverage may extend to the newborn, covering costs of vaccinations and treatments, if any.
Generally, maternity insurance is offered as a coverage in personal health insurance or family floater plans. While buying insurance, you must opt for this coverage and pay the corresponding premium if you are planning a family.
Most maternity plans come with a waiting period of up to 9 months. With some plans, this can extend to up to 6 years. If your maternity insurance plans have a waiting period, your pregnancy expenses will not be covered if you raise a claim during that timeframe. So, the right time to buy maternity health insurance is before you try to get pregnant. If you wait to buy pregnancy health insurance after getting pregnant, you must pay all the expenses out of your pocket.
A well-defined maternity insurance policy offers the following benefits and features:
Health insurance for pregnancy can ensure financial security for your family. Some policies limit the number of times you may make these claims throughout the policy period.
You can go through pregnancy peacefully, knowing that any cost incurred up to the sum defined by the policy terms will be covered by your insurance provider. This reduces your out-of-pocket costs.
Most pregnant women may need to visit their gynaecologist every month to monitor their health and to the baby's normal growth. If there are complications, more tests and additional care may be required after delivery. These can incur additional costs, which can be covered by your pregnancy insurance under the newborn coverage.
Sometimes, newborns need additional care. For example, they may need some time in the NICU if there are some complications. An insurance policy covering these expenses allows you to focus only on the health of the baby, as it provides a financial safety net.
Under Section 80D, you can claim deductions for premiums paid for your health insurance with maternity cover.
Some of the expenses that your maternity insurance policy can cover are:
The coverage varies based on the terms and conditions of the policy. Here is a quick overview of what may and may not be covered by your maternity insurance policy:
| Coverages | Exclusions |
| Pre and postnatal hospitalisation | IVF or infertility treatments |
| Delivery expenses (normal and C-section) | Pre-existing pregnancy |
| Newborn cover (up to 90 days in many plans) | Third or more deliveries in most cases |
| Vaccinations (limited to schedule) | Non-allopathic treatments |
| Ambulance charges | Unprescribed tests or procedures |
Here are the steps to buy maternity insurance online.
The insurance company will now contact you for the next steps.
Maternity insurance covers the expenses of women during and after pregnancy. Generally, it covers only the mother, but some policies extend coverage to newborns, too. When the plan includes newborn coverage, it covers the medical needs of the baby after it's born (mostly up to 90 days ). Here is a comparison between maternity insurance and newborn coverage.
| Feature | Maternity Insurance | Newborn Coverage |
| Purpose | Covers mother’s pregnancy-related costs | Covers baby’s medical needs post-birth |
| Coverage Start | After the waiting period | From birth (up to 90 days, varies) |
| Included in | Health plans with maternity cover | Add-on or part of family floater plans |
| Key Benefits | Delivery, hospitalisation, tests | NICU, vaccination, checkups |
| Waiting Period | 9 months to 3 years | Usually, no waiting if the baby is added early |
The following documents may be needed for claiming maternity benefits.
Maternity insurance policy provides financial cover during pregnancy and also for giving birth. Certain policies provide cover for the newborn child until 90 days. It is recommended to purchase a policy in advance to overcome the waiting period and obtain complete cover for mother and child. Online purchase of a policy saves time and money, and you are able to obtain the best rates.
Here are some frequently asked questions related to maternity & newborn coverage in family health insurance.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at 1800 266 2256 for any queries.
2K Linkedin Followers 
Reviewed by Rupinderjit 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
Products 
Company
Legal
Support
Car Insurance 
Bike Insurance
Health Insurance
Group Health Insurance
Travel Insurance
Life Insurance
