Knowledge Centre

All You Need To Know About Maternity Insurance

Anticipating a new life to be born is one of the most blissful as well as challenging phases of life. For a couple, the phase of pregnancy is a journey that they take together. While maternity is in no way a sickness, however, because of the critical and hospital expenses involved, health insurance with maternity benefits is very important. With increasing awareness among couples, they are aware of maternity insurance but aren’t aware of what to expect, what it offers and how to choose insurance.

We, at HDFC ERGO, ensure that every single step of your pregnancy is taken care of and this divine journey is made comfortable with seamless support, constant help and best possible coverage. Maternity insurance can be bought as an add-on to your health insurance policy which we will discuss later, but first things first.

When to buy maternity insurance?

There is a misconception that maternity insurance can be bought after you get pregnant. In such a case your pregnancy will be considered as a pre-existing condition and won’t be covered. When you buy health insurance with maternity coverage, there is a waiting period of 4 years before which you cannot avail the benefits of maternity insurance. Thus it is advised that the best time to buy health insurance policy with maternity benefits is immediately after your marriage, or maybe even before your marriage in case you are planning to start a family soon after marriage.

Maternity Insurance Plans

We offer two health insurance plans with maternity cover: Health Suraksha Gold Insurance & Myhealth Medisure Classic.

Here are some of the unparalleled benefits of these plans:

  1. Hospitalisation Expenses: Insurance covers hospitalisation expenses at the time of delivery up to 10% of sum insured or 20,000 in case of normal delivery, and 20% of sum insured or 40,000 for caesarean delivery whichever is lesser.
  2. Pre Natal & Post Natal Pregnancy expenses:  Under maternity benefit, pre pregnancy medical expenses such as diagnosis, doctor visits and medical expenses get covered. It also covers post pregnancy medical expenses for the new born as well as the mother to ensure they both are doing fine.
  3. New born expenses: Medical expenses for the new born also get covered for up to 90 days after the birth of the child.
  4. Vaccination expenses: In case the new born requires vaccinations for immunization against diseases, HDFC ERGO maternity care offers a medical cover for these expenses as well.

These days with pregnancy related complications on the rise, maternity insurance is a promise of safety you can make to yourself and to your baby. We, at HDFC ERGO, are always planning the best for you and your family, thus be assured of getting here the best health insurance covering maternity benefits India.


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