Maternity coverage in Indian health insurance: What expecting parents should know


30 Aug 2023

Understanding Maternity Insurance in India: A Guide for Expecting Parents

Bringing a new life into this world is a joyous and transformative experience. However, it also comes with its fair share of responsibilities, including ensuring the health and well-being of both the mother and the baby. Maternity insurance coverage plays a crucial role in providing financial support and ensuring access to quality healthcare during pregnancy, childbirth and postnatal care. In this blog post, we will explore the key aspects of maternity coverage in Indian health insurance.

What are the key aspects of maternity coverage in Indian health insurance?

Below mentioned are some of the key aspects of maternity coverage in Indian health insurance:

  • Understanding maternity coverage

Maternity coverage is designed to cover the medical expenses associated with pregnancy, childbirth and postnatal care. It's important to note that the coverage and benefits can vary across different maternity health insurance plans. Typically, it includes expenses related to prenatal consultations, diagnostic tests, hospitalization for delivery, cesarean section and postnatal care.

  • Waiting period and pre-existing conditions

Most health insurance policies require a waiting period for maternity coverage. This waiting period can range from 9 months to 4 years. It is crucial for expecting parents to plan and obtain pregnancy insurance coverage well in advance to ensure that they are eligible for reimbursement of maternity-related expenses. It's important to review the policy terms and conditions carefully as pre-existing conditions related to pregnancy may not be covered.

  • Sub-limits and sum insured

Maternity coverage often comes with sub-limits, which are the maximum limits set for specific expenses. It's important to understand these sub-limits and choose a policy that offers adequate coverage for your specific needs. For example, there may be a sub-limit for delivery charges or room rent during hospitalization. Considering the sum insured is crucial to ensure that it is sufficient to cover the anticipated expenses.

  • Waiting period for subsequent pregnancies

Some health insurance policy have a waiting period specifically for subsequent pregnancies. It's essential to be aware of this waiting period and plan accordingly to ensure continuous coverage. This means that if you already have a child and are planning another pregnancy, you may need to wait for a certain period before being eligible for maternity coverage again.

  • Pre and postnatal care coverage

Having coverage for pre and postnatal care ensures comprehensive support throughout the pregnancy journey. Apart from the expenses related to childbirth, maternity coverage may also include coverage for pre and postnatal care. This can include expenses for regular check-ups, diagnostic tests, ultrasound scans and prescribed medications.

  • Newborn baby coverage

Understanding the extent of coverage for the newborn is important for expecting parents to plan for their baby's healthcare needs. Some health insurance plans also provide coverage for the newborn baby. This includes medical expenses incurred for the baby during hospitalization, vaccinations and any necessary treatment or care required immediately after birth.

  • Maternity riders and add-ons

In addition to standalone maternity coverage, some health insurance plans offer maternity riders or add-ons. Maternity riders may provide higher coverage limits, reduced waiting periods or additional benefits such as coverage for complications during pregnancy or newborn intensive care unit (NICU) expenses. Exploring these options can provide enhanced coverage for expecting parents.


Maternity coverage in Indian health insurance is a valuable resource for expecting parents, providing access to quality healthcare during the journey of pregnancy, childbirth and postnatal care. Understanding the key aspects of maternity coverage, such as waiting periods, coverage limits, sub-limits and exclusions, is essential in selecting the right policy that suits your specific needs. By choosing a kotak health insurance plan, expecting parents can ensure comprehensive coverage and focus on the well-being of both the mother and the baby during this special phase of life.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.