Get Expert Guidance
What Our Plans Cover
-
Hospitalisation for normal deliver...
-
Hospitalisation for caesarean deli...
-
Pre-natal consultations
-
Post-natal expenses for a defined...
-
Newborn baby cover from day one
-
Medically necessary termination
-
First-year vaccinations
Who Can Consider This Plan?
- Indian resident, typically aged 18 to 65 at entry
- Children can usually be covered from 91 days, subject to insurer rules
- Medical tests may be required above a threshold age or sum insured
- Full and accurate disclosure of existing conditions, medication and family history
- Tobacco and alcohol use must be declared — non-disclosure is the leading cause of rejected claims
What May Not Be Covered?
- Any delivery inside the maternity waiting period, commonly two to four years
- Any pregnancy that existed or was known at the time the policy was taken
- Costs above the stated maternity sub-limit, whatever the sum insured is
- Fertility treatment, IVF and assisted reproduction on most plans
- Elective caesarean without medical indication, on some plans
Always check the policy wording before you commit.
Why Choose Wealth & Covers?
- Expert advice to choose the right plan
- Plans from leading insurance companies
- Hassle-free process and documentation
- End-to-end support, including claim assistance
- Dedicated relationship manager
Our Insurance Partners
- Star Health Insurance
- Care Health Insurance
- Niva Bupa Health Insurance
- HDFC ERGO
- ICICI Lombard
- Bajaj Allianz
We represent multiple providers to help you find the most suitable option at the best price.
- Expert Guidance Personalised advice from experienced insurance professionals.
- End-to-End Support From choosing the right plan to claim assistance, we are with you always.
- Claims Assistance Hassle-free claim support to ensure you get what you deserve.
- Transparent Process Clear information, easy documentation and a hassle-free experience.
Overview
Maternity benefit covers the cost of delivery — normal or caesarean — along with pre-natal and post-natal expenses and, on most plans, the newborn from birth. It is either a built-in feature of a health plan or an optional rider attached to one.
The defining characteristic of this cover is its waiting period. Nearly every plan on the market makes maternity claimable only after two to four continuous years. That single rule means the product cannot be bought in response to a pregnancy; it has to be bought in anticipation of one.
Almost every maternity benefit is also capped, usually at a fixed rupee amount that differs for normal delivery and caesarean, and usually well below the sum insured. The cap, not the sum insured, is what determines your recovery.
Who should consider it
Couples planning a family within the next three to five years, and young couples buying their first health policy who should simply choose a plan that carries the benefit rather than adding it later.
It is also worth reviewing if your only maternity cover is through an employer. Group policies often cover maternity with no waiting period, which is genuinely valuable — but it disappears with the job, and frequently at exactly the wrong moment.
If a pregnancy has already been confirmed, no retail plan will cover this delivery. The useful conversation then is about the newborn: cover for the child from day one, and a policy structure that is ready before the next one.
Benefits
- Delivery costs covered up to the stated maternity limit, normal or caesarean
- Pre-natal and post-natal expenses within the defined windows
- Newborn covered from birth on most plans, often without a separate waiting period
- Vaccination cover for the child in the first year, where the plan provides it
- Complications of pregnancy usually covered within the maternity limit
- Section 80D deduction applies to the premium as with any health policy
What is covered, and what is not
Read the right-hand column first. It is the one that decides whether a claim is paid.
Typically covered
- Hospitalisation for normal delivery, up to the stated sub-limit
- Hospitalisation for caesarean delivery, up to its own — usually higher — sub-limit
- Pre-natal consultations, scans and tests within the stated window
- Post-natal expenses for a defined period after discharge
- Newborn baby cover from day one, where the plan provides it
- Medically necessary termination, where the plan expressly covers it
- First-year vaccinations, where included
Typically not covered
- Any delivery inside the maternity waiting period, commonly two to four years
- Any pregnancy that existed or was known at the time the policy was taken
- Costs above the stated maternity sub-limit, whatever the sum insured is
- Fertility treatment, IVF and assisted reproduction on most plans
- Elective caesarean without medical indication, on some plans
- Routine ante-natal costs outside the defined pre-natal window
- Congenital external conditions of the newborn, on many plans
Inclusions and exclusions vary between providers and between plans from the same provider. The wording in your own policy document is what governs — we will walk you through it before you buy.
How it works with us
- 1 Tell us who is being covered Age, city, existing conditions and any cover you already hold. Two minutes, and it decides everything downstream.
- 2 We shortlist on structure, not price Room rent, co-payment, sub-limits and pre-existing waiting periods — the four things that decide what you actually get paid.
- 3 You see two or three options, with the trade-offs named Including what each one gives up. If your existing policy is already the right answer, we will tell you that.
- 4 Proposal and medicals We help you complete disclosure properly. A medical test, where required, is usually arranged at home.
- 5 Policy issued, and we stay on the file At claim time you call us, not a helpline. We prepare the file, submit it and chase the insurer until it settles.
Important considerations
The things a brochure tends to leave out. Read these before you decide.
- The waiting period makes this a planning product. If you expect to start a family within four years, buy the plan with the benefit now rather than the cheaper plan without it.
- Compare the maternity sub-limits, not the sum insured. A ₹10 lakh policy with a ₹50,000 delivery cap pays ₹50,000.
- Check whether the newborn is covered from day one and whether that cover sits inside the maternity limit or the main sum insured. The difference is large if the child needs neonatal care.
- Employer maternity cover is valuable and temporary. Treat it as a bonus on top of your own policy, never as a substitute for it.
- Most plans cap the number of covered deliveries — usually two. If that matters to your plans, confirm it in writing.
Documents required
- Completed proposal form with full medical disclosure
- Identity proof — Aadhaar, passport, voter ID or driving licence
- Address proof
- PAN card
- Recent passport-size photograph
- Medical reports, where the insurer requires them at your age or sum insured
- Existing policy copy, if you are porting
Frequently Asked Questions
I am pregnant now. Can I buy maternity cover?
Not for this delivery. Every retail plan treats an existing pregnancy as a pre-existing condition, and the maternity waiting period rules it out in any event. What is still worth doing now is arranging cover for the newborn and putting a policy in place that will be past its waiting period before a second child.
Why is the waiting period so long?
Because maternity is a planned and near-certain expense rather than an unpredictable one. Without a long waiting period the product would only ever be bought by people about to claim on it, and the premium would rise to match.
Does the benefit cover a caesarean?
Yes, and usually at a higher sub-limit than a normal delivery, because the procedure costs more. Some plans decline an elective caesarean chosen without medical indication.
Is the newborn covered from birth?
On most plans, yes. What varies is whether that cover sits within the maternity sub-limit or draws on the main sum insured — which matters a great deal if the baby needs neonatal intensive care. Ask this question specifically.
Is IVF or fertility treatment covered?
Generally no. A small number of plans offer a limited fertility benefit, usually at extra premium and with its own waiting period. Do not assume it is included.
Want a shortlist instead of a catalogue?
Tell us the situation and an advisor comes back with two or three options that actually fit — and names what each one gives up.