Health Insurance 235 views February 16, 2021

A health insurance plan can protect people’s finances in different medical conditions. Among these conditions, maternity or pregnancy is a crucial milestone for women. This is one thing that individuals can be prepared for beforehand. Presently, bearing expenses related to maternity can be a costly affair considering the healthcare cost. Expenses on hospital stays, delivery, diagnostic tests, medicines, etc. can cost you a lot. That’s why you should look for a health insurance policy with adequate maternity coverage so that you can remain free from any worries during such times.

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Several insurers provide health insurance plans that take care of maternity expenses along with coverage for other diseases and medical conditions. So, if you want a health insurance policy with the best maternity coverage, you’re in the right place to find so! Here, we will tell you the top 5 health insurance plans with maternity coverage and their features & benefits so that you can compare them and find the right fit for you. Keep reading to know more!

Top 5 Health Insurance Plans with the Best Maternity Coverage

Before moving on to know the top 5 plans with maternity coverage, you should understand what exactly is maternity coverage. Well, this is a type of insurance coverage that provides coverage for all the expenses related to both normal and cesarean childbirth. With the maternity coverage, you can also get cover for other expenses such as nursing & room charges, pre and post-hospitalization expenses, doctor consultation fees, etc.

One of the important things that you should look at when choosing a plan with maternity coverage is the waiting period that ranges from 9 to 24 months from the date of commencement of the policy. So, choose a plan well in advance so that you don’t need to bear any expenses.

Several policies provide maternity coverage, but if we were to choose the top five, they would be Aegon Life Joy Maternity Health Insurance Plan, Cholamandalam Privilege Healthline Plan, Max Bupa Heartbeat Family Health Insurance Plan, HDFC Ergo My Health Suraksha Plan, and Bharti AXA Smart Super Health Insurance Plan.

We are showing the striking features of all these health insurance plans with maternity coverage so that you can understand better. Please check!

Features of Aegon Life Joy Maternity Health Insurance Plan

Joy Maternity health insurance plan is considered to be one of the best maternity health insurance plans with coverage up to INR 50,000 for maternity expenses. Check below to know more about its features!

  1. Option to Choose between Joy Today and Joy Tomorrow Plan
  2. Sum insured options of INR 3 lakh or INR 5 lakh
  3. Maternity coverage (including pre and post-natal expenses) up to INR 35,000 and INR 50,000 (depending on the sum insured option chosen)
  4. Newborn baby cover up to INR 50,000
  5. Newborn birth defects coverage up to INR 50,000 with the Tomorrow plan option
  6. 2nd Childbirth coverage if the maternity sum insured is not exhausted
  7. Lifelong exit age
  8. Multiple tenure options up to 3 years
  9. A waiting period of 9 months and 2 years for today and tomorrow plan option respectively

Highlights of Max Bupa Heartbeat Health Insurance Plan

Features like vaccination expenses converge, maternity benefit, and no waiting period up to 45 years make Max Bupa Heartbeat Health Insurance Plan one of the top 5 health insurance plans with maternity coverage. You can check more features of this plan below.

  1. Comprehensive coverage option ranging from INR 5 lakh to INR 1 crore
  2. Option to choose between Gold and Platinum option for Family Floater Plan
  3. Maternity Benefit up to INR 1 lakh and INR 2 lakh for gold and platinum option, respectively
  4. Loyalty bonus at 10% of the sum insured per year
  5. Vaccination expenses for a newborn baby under the family floater and family first plan
  6. Health check-up up to INR 5,000 per policy year after the first policy year
  7. No specific waiting period for insured persons up to 45 years of age
  8. No additional premium for Newborn baby coverage starting from Day

Benefits of Cholamandalam Privilege Healthline Insurance Plan

To know what exactly makes Chola Privilege Healthline insurance plan one of the popular plans with maternity coverage, you should check out its following striking features.

  1. Sum insured options of INR 5 lakh, INR 7.5 lakh, INR 10 lakh, INR 15 lakh, INR 20 lakh or INR 25 lakh
  2. Maternity expenses up to 2 deliveries and up to INR 1 lakh per delivery
  3. A waiting period of 3 consecutive renewals of the plan
  4. Newborn baby hospitalization expenses up to the sum insured of mother’s coverage or floater sum insured
  5. Child hospitalization allowance per hospitalization – up to INR 500 per day for 7 days with Enrich option
  6. In-patient hospitalization coverage
  7. Emergency ambulance hospitalization coverage up to INR 5,000 per hospitalization

HDFC Ergo My Health Suraksha Plan Features

HDFC Ergo My Health Suraksha Plan can be the best option for those people who are looking for a health insurance plan that can also cover maternity-related expenses. We are showing some of its features below. Do check!

  1. Parent care option that provides maternity coverage (both normal and cesarean section) during the policy period
  2. OPD Treatment in the pre-and post-natal period up to the limit of cover
  3. Infertility treatment-related expenses coverage for both male and female insured persons
  4. Child care coverage for newborn baby cover such as expenses towards the treatment of a newborn baby
  5. Vaccination charges coverage as per National Immunization Schedule
  6. A waiting period of 48 months for Parent and Child care cover
  7. Policy term options of 1, 2, or 3 years
  8. Multiple sum insured option ranging from INR 3 lakh to INR 75 lakh
  9. Option to pay a premium in 3, 6, and 12 equal installments

Exciting Features of Bharti AXA Smart Super Health Insurance Plan

A Smart Super Health Insurance Plan from Bharti AXA can be a good choice for you if you are looking for a policy with maternity coverage. To know more, check out its striking features below.

  1. Maternity benefit up to INR 50,000 with a waiting period of 9 months up to first 2 deliveries in lifetime
  2. Newborn baby (for first 90 days) expenses coverage up to INR 50,000
  3. Hospital cash allowance options of INR 500, INR 1,000, or INR 2,000 per day
  4. Multiple sum insured options of INR 10 lakh, INR 15 lakh, and INR 20 lakh
  5. Emergency air ambulance charges coverage up to INR 3,000 per event

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