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Is maternity covered in health insurance policies?

Mar 15, 2018 | 2 years ago | Read Time: 2 minutes | By iKnowledge Team

Depending on your health insurance cover, Maternity cover is an additional benefit you can opt for.

A health insurance plan pays for medical treatment. It offers protection against hospitalisation expenses, whether planned or unplanned. But, your health insurance policy may not cover the cost of every treatment. For instance, not all health insurance policies come with an in-built maternity benefit. You may need to pay an addition to your premium to add maternity costs to your current policy. But, you must first go through the terms and conditions well.

If you are married and wish to start a family soon, you need to plan. This is because maternity costs keep rising every year. A health insurance cover may not be enough to meet all pregnancy-related costs. So, you must buy one that includes maternity benefits.  Here are some important pointers to look out for:

Add-on benefit

Many health insurers offer maternity cover as an add-on benefit. You need to pay an extra premium to get the maternity cover. Opting for this will help you cover pregnancy-related costs. This applies to both natural and caesarean births.

Some insurers allow you to add the cover even after you have bought the policy. However, read the terms and conditions carefully before opting for it.


Your health insurance may cover medical cost up to Rs 10 lakh.  However, you need to be aware of the sub-limit for each treatment. Claim above the sub-limit is likely to get rejected. So, plan all expenses that you may incur during the pregnancy stage. Keep some extra cash as buffer. This is to cover any unexpected health complications.

Waiting period

Insurers specify a waiting period of three to four years when you opt for maternity cover. You can claim any pregnancy-related costs only after the waiting period is over. But, your health insurance policy can cover the cost of other treatments. You must check the waiting period for pregnancy before buying a policy.


As the term suggests, all expenses before hospitalization are pre-hospitalization expenses’. These include gynaecologist’s fees, pregnancy-related scans, and medicine costs. The costs you incur after discharge from the hospital are called ‘post-hospitalization expenses’. These include post-pregnancy medical check-ups. Insurers define the limit for pre-as well as post-hospitalization expenses. You can fill the claim form according to the terms. Read the limits in detail to avoid any last-minute surprises.

So, opt for a health insurance with a maternity cover before you plan to start a family. Enjoy a healthy pregnancy phase and, then, a wonderful life with your bundle of joy.

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