Best Maternity Health Insurance Plans To Buy In 2021

Maternity insurance is typically sold as an add-on or rider to standard health insurance policies. It seeks to cover all costs associated with your baby's delivery (both forms, that is, caesarean and regular), including any extra costs. These insurance policies will cover prenatal care, hospitalisation, drugs, and other expenses, making it easier to bring your child into the world.

Best Maternity Health Insurance Plans To Buy In 2021

Identifying the appropriate maternity insurance package can be a difficult and frustrating process. Look over these top 5 maternity insurance plans in India to help you choose the right one for you and your kids.

1. SBI Arogya Premier Plan

   SBI has always been a dependable provider of insurance policies. The most significant benefit of their maternity insurance coverage is that the waiting period is just nine months. It also has a restoration bonus, so any money paid into insurance is immediately repaid if it is depleted within one policy year. This does not cause the payment of a premium.

2. Aditya Birla Activ Health Platinum Enhanced Plan

   If you choose maternity benefits, Aditya Birla Activ Health Platinum and Enhanced Plan will cover the costs of the newborn baby, required medical treatments, vaccines, and legal, medical termination of the pregnancy. This plan's amount guaranteed ranges from Rs. 2 lakhs to Rs. 2 Crores, with a separate amount set aside for maternity-related hospitalisation and newborn baby expenses.

3. Bajaj Allianz Health Guard Family Floater Health Insurance Plan

   The Health-Guard Gold package is a family floater package that pays for pregnancy and newborn baby expenses. The number guaranteed in the Gold family floater health plan varies from Rs. 3 lacs to Rs. 50 lakhs. Adults must be between the ages of 18 and 65 to enter, whereas children must be between the ages of 3 months and 30 years.

4. Bharti AXA Smart Super Health Insurance

   This health insurance coverage would protect you from incurring large expenses in the event of an accident. Furthermore, maternity insurance coverage is beneficial to all mothers. This scheme offers an optional maternity benefits package ranging from 3 lakhs to 7.5 lakhs.

5. Apollo Munich Health Insurance Easy Health Family Floater

   Apollo Munich Medical Insurance Easy Health Family Floater provides a dependable and advantageous maternity insurance package. It is available with the medical care policy's exclusive premium models. However, the waiting period for this insurance plan is three years, so you must plan ahead of time.

6. Magma HDI One Health Policy

   Always ensure that you have adequately prepared yourself so that no problems occur when your infant enters the world. When it comes to breastfeeding, a generous insurance package like this one guarantees a smooth ride. Furthermore, this package covers you in the event of any complicated deliveries.

You May Also Like to Read: Maternity Insurance Plan: A Boon to Protect Your Savings!

How To Claim Maternity Health Insurance?

Conclusion

In most cases, insurance companies will only allow you to participate in or buy maternity insurance when you conceive. If you are already pregnant, they will not consider your submission. Furthermore, pregnancy insurance plans have a 3 to 4-year waiting period before benefits kick in. Check the policy terms before paying the premium to confirm that the company provides maternity coverage.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.