10 best Maternity Health Insurance Plans in india 2023

Introduction

When it comes to preparing for the arrival of a new member in the family, ensuring proper healthcare and financial security is paramount. Maternity health insurance plans play a crucial role in providing comprehensive coverage during this significant phase of life. In this article, we present the 10 best maternity health insurance plans in India for the year 2023, along with their standout features.

1. Aditya Birla Activ Health Platinum

The Aditya Birla Activ Health Platinum plan is unquestionably one of the 10 Best Maternity Health Insurance Plans in India for 2023. Tailored to ensure expectant mothers have comprehensive coverage, this plan encompasses prenatal and postnatal expenses, covering hospitalization, delivery, and even expenses related to the newborn baby.

Key Features:

1. Maternity Cover: This plan offers coverage for maternity expenses, ensuring a worry-free pregnancy journey.
2. Newborn Baby Cover: Provides coverage for medical expenses related to the newborn for the initial few months.
3. No Claim Bonus (NCB): Offers a bonus in the form of an increased sum insured for every claim-free year.
4. Lifetime Renewability: Assures lifelong coverage without age-related limitations.
5. Organ Donor Expenses: Covers the costs associated with organ transplantation, including harvesting and transplantation procedures.

Read Also: 11 Best Term Insurance Plans in India 2023

2. Bajaj Allianz Health Guard Policy

Bajaj Allianz Health Guard Policy offers comprehensive maternity coverage, including prenatal and postnatal care, delivery charges, and coverage for the newborn. It also covers any complications that may arise during childbirth.

Key Features:

1. Maternity and Newborn Cover: Provides extensive coverage for maternity-related expenses and the newborn’s healthcare needs.
2. Pre and Post-Hospitalization Expenses: Covers medical expenses incurred before and after hospitalization, ensuring comprehensive care.
3. Daycare Procedures: Includes coverage for a wide range of daycare procedures that do not require 24-hour hospitalization.
4. Health Check-ups: Offers free health check-ups after a certain number of claim-free years.
5. Lifetime Renewability: Allows policy renewal for a lifetime, providing long-term security.

3. Bharti AXA Smart Super Health Insurance Policy

The Bharti AXA Smart Super Health Insurance Policy covers maternity expenses, including prenatal and postnatal care, hospitalization charges, and related medical tests. It provides a hassle-free maternity experience for policyholders.

Key Features:

1. Maternity and Newborn Cover: Comprehensive coverage for maternity expenses, including pre and post-natal care, and the newborn’s medical needs.
2. Ambulance Cover: Covers ambulance charges in case of an emergency.
3. Daycare Treatments: Includes coverage for daycare treatments and procedures.
4. Organ Transplant Cover: Extensive coverage for organ transplant surgeries and related expenses.
5. No Claim Bonus (NCB): Offers an increase in the sum insured for every claim-free year, up to a specified limit.

4. Care Joy Maternity Insurance Plan

The Care Joy Maternity Insurance Plan is specifically designed for expectant mothers, providing coverage for both normal and cesarean deliveries. It covers pre and postnatal care expenses, delivery charges, and even vaccination costs for the newborn.

Key Features:

1. Maternity Expenses Coverage: Provides coverage for all maternity-related medical expenses, making the pregnancy journey financially stress-free.
2. Newborn Baby Cover: Offers coverage for medical expenses incurred on the newborn for a specified period.
3. Pre and Post-Natal Care: Covers expenses for pre and post-natal care, ensuring comprehensive healthcare for the mother and child.
4. Lifelong Renewability: Allows policy renewal for a lifetime without any age-based restrictions.
5. In-patient Hospitalization: Covers medical expenses during in-patient hospitalization, including room charges, doctor’s fees, and more.

Read Also: 11 Best Health Insurance Plans in India 2023

5. Cholamandalam Healthline Plan

The Cholamandalam Healthline Plan offers comprehensive maternity coverage, including hospitalization, delivery expenses, pre and postnatal care, and other associated medical costs. It provides peace of mind to expectant mothers during this critical phase.

Key Features:

1. Maternity Cover: Comprehensive coverage for maternity-related expenses, including delivery charges and prenatal/postnatal care.
2. Newborn Baby Expenses: Covers medical expenses for the newborn up to a specified period after birth.
3. Ambulance Cover: Provides coverage for ambulance charges in case of an emergency.
4. Organ Donor Expenses: Covers the expenses associated with organ transplantation, including the donor’s medical expenses.
5. Pre and Post-Hospitalization Expenses: Includes coverage for medical expenses incurred before and after hospitalization.

6. Digit Health Care Plus Policy

Digit Health Care Plus Policy covers maternity expenses, including hospitalization, delivery charges, prenatal and postnatal care, and vaccinations for the newborn. It’s a reliable choice for expectant mothers seeking extensive coverage.

Key Features:

1. Maternity Expenses Coverage: Offers coverage for maternity-related medical expenses, making the pregnancy journey hassle-free.
2. Newborn Baby Cover: Provides coverage for medical expenses related to the newborn for a specified period.
3. Ambulance Cover: Covers ambulance charges in case of an emergency.
4. Daycare Procedures: Covers a wide range of daycare procedures that do not require 24-hour hospitalization.
5. Restoration Benefit: Restores the sum insured in case it gets exhausted during the policy term.

7. Edelweiss Health Insurance Plan

The Edelweiss Health Insurance Plan offers maternity coverage, encompassing prenatal and postnatal care, delivery expenses, and other related medical costs. It ensures financial security during pregnancy and childbirth.

Key Features:

1. Maternity and Newborn Cover: Extensive coverage for maternity expenses, including delivery charges and prenatal/postnatal care, along with coverage for the newborn.
2. Pre and Post-Hospitalization Expenses: Covers medical expenses incurred before and after hospitalization for a comprehensive healthcare experience.
3. Daycare Treatments: Includes coverage for a variety of daycare treatments and procedures.
4. Ambulance Cover: Provides coverage for ambulance charges in case of an emergency.
5. No Claim Bonus (NCB): Offers an increase in the sum insured for every claim-free year.

Read Also: Best Travel Insurance Plans In India 2023

8. Future Generali Health Total Plan

Future Generali Health Total Plan is a comprehensive health insurance policy that includes maternity coverage. It covers delivery charges, prenatal and postnatal care, and other medical expenses related to pregnancy, ensuring a worry-free journey for expectant mothers.

Key Features:

1. Maternity Expenses Coverage: Comprehensive coverage for maternity-related medical expenses, ensuring financial ease during pregnancy.
2. Newborn Baby Cover: Provides coverage for medical expenses related to the newborn for a specific period.
3. Daycare Procedures: Includes coverage for daycare treatments and procedures, offering a wide range of healthcare benefits.
4. Ambulance Cover: Covers ambulance charges in case of an emergency.
5. In-patient Hospitalization: Covers medical expenses during in-patient hospitalization, including room charges, doctor’s fees, and more.

9. Kotak Mahindra Premier Plan

The Kotak Mahindra Premier Plan provides maternity coverage, including prenatal and postnatal care, delivery charges, and other hospitalization expenses. It’s an excellent choice for expectant mothers looking for a reliable insurance plan.

Key Features:

1. Maternity Cover: Comprehensive coverage for maternity-related expenses, including delivery charges and prenatal/postnatal care.
2. Newborn Baby Expenses: Covers medical expenses for the newborn for a specified period after birth.
3. Ambulance Cover: Provides coverage for ambulance charges in case of an emergency.
4. No Claim Bonus (NCB): Offers an increase in the sum insured for every claim-free year, up to a specified limit.
5. Pre and Post-Hospitalization Expenses: Covers medical expenses incurred before and after hospitalization.

10. Liberty HealthPrime Connect Plan

The Liberty HealthPrime Connect Plan offers maternity coverage, encompassing prenatal and postnatal care, delivery charges, and other related medical expenses. It ensures comprehensive support and financial security for expectant mothers.

Key Features:

1. Maternity and Newborn Cover: Extensive coverage for maternity expenses, including delivery charges and prenatal/postnatal care, along with coverage for the newborn.
2. Daycare Treatments: Includes coverage for a variety of daycare treatments and procedures.
3. Organ Transplant Cover: Comprehensive coverage for organ transplant surgeries and related expenses.
4. Ambulance Cover: Provides coverage for ambulance charges in case of an emergency.
5. Pre and Post-Hospitalization Expenses: Covers medical expenses incurred before and after hospitalization for a comprehensive healthcare experience.

Conclusion

In conclusion, choosing the right maternity health insurance plan is vital to ensure a smooth and stress-free pregnancy journey. Evaluate the features and benefits of these top 10 maternity health insurance plans in India for 2023 and select the one that best suits your requirements and provides comprehensive coverage during this significant phase of life.