maternity insurance plans in india

5 Best Maternity Insurance Plans with No Waiting Period 2021

Health Insurance

Last Updated on 29/12/2020 by Deepak Singla

Pregnancy is a special part of every mother’s life. Imagine having to stress over finances during this period! This is the time where you need to be taken care of in the best way possible. And to ensure the same, health insurance companies in India provide you with the best maternity insurance plans.

Some individual and family health insurance plans offer it as an add-on as well. One thing to take care of while buying a maternity health insurance plan in India is its waiting period. The lesser the waiting period, the better it is for you.

Women who don’t already have a maternity cover add-on, often think of getting one as soon as they decide to embrace motherhood. Now, a policy with a lengthy waiting period might not serve the purpose you bought it for.

So, if you are planning parenthood shortly or would become parents soon enough, then it’s better to check out the waiting period of the policy. You won’t find maternity insurance with zero waiting period. However, there certainly are some plans with shorter waiting periods. 

Out of the several pregnancy health insurance plans in India, it could become difficult for you to choose one. But there is nothing to worry about because we have done the homework on your behalf. After comparing hundreds of maternity covers, we have shortlisted the 5 best maternity health insurance plans having the least waiting periods.

What is a Maternity/ Pregnancy Insurance?

Maternity health insurance is a type of insurance plan which covers all medical expenses incurred during pregnancy. It includes prenatal check-up costs, hospitalization costs during pregnancy, post-natal costs, etc. Some pregnancy health insurance plans also cover all expenses of the newborn baby for a specific time.

Certain health insurance companies in India offer maternity health insurance as a stand-alone insurance. On the other hand, some of the best family health insurance plans or even the individual ones offer health insurance for pregnant lady as an additional rider.

What are the Basic Inclusions and Exclusions of a Maternity Health Insurance?

  • Delivery Expenses (Normal delivery or Caesarean Section)
  • Emergency Ambulance Costs
  • Pre and post-hospitalization expenses
  • In-hospitalization costs
  • Room rent, doctor’s charges, medicines, etc.
  • Newborn baby cover (depends on the insurer)
  • Vaccination costs for up to 1 year (provided by some insurance providers)
  • Routine check-ups
  • Diagnostic pregnancy tests
  • Ectopic pregnancy costs
  • Pregnancy resulting in-vitro fertilization
  • Self-inflicted injury treatment
  • Treatment for substance abuse
  • Additional costs

List of the 5 Best Maternity Insurance Plans in India

Sl. No. Maternity Insurance PlansWaiting PeriodCoverageApproximate Premium (INR)
1.Care Health Joy Today9 months2 deliveries or terminations

Newborn baby cover

INR 17,000
2.SBI Arogya Premier9 months2 deliveries

Newborn baby cover

INR 14,500
3.Bharti AXA Smart Super Health Insurance9 months2 deliveries or terminationsN/A
4.Max Bupa Heartbeat Gold2 years2 deliveries or terminations

Newborn baby cover

Vaccinations for the first year

INR 11,000
5.HDFC Ergo Health Suraksha Insurance Gold4 years2 deliveries

Newborn baby cover


INR 20,000

Care Health Joy Today Health Insurance Plan

Care Health Joy is one of the best maternity insurance plans in India. This plan is perfect for people who are about to have a baby. The waiting period to avail of the maternity benefit is 9 months only with the Joy Today policy. 

Key Features and Benefits:

  • Sum insured for the pregnancy cover lies in the range of INR 3 lakhs to INR 5 lakhs
  • Waiting period is of 9 months. 
  • Daycare treatment’s expenses are covered
  • Expenses for pre-natal and post-natal care are covered
  • Newborn baby coverage for up to 90 days from DOB.
  • Cashless treatment at 4700+ network hospitals.
  • Pre and post hospitalization cover for 30 and 60 days
  • 100% bonus of the sum insured if no claims are made during the tenure of 3 years.


Sum InsuredINR 3 lakhs or INR 5 lakhs
Waiting Period9 months
Entry Age18 to 65 years
Newborn baby coverAvailable

SBI Arogya Premier

SBI Arogya Premier Plan is an insurance policy that provides maternity benefits as well in addition to other health coverage. It will cover all maternity-related costs after a waiting period of 9 months only. The pregnancy cover provides other benefits for the child too.

Key Features and Benefits:

  • Automatic sum restoration if it gets exhausted in a year.
  • Pre-entrance health check-up not needed till the age of 55
  • Air ambulance costs covered
  • Sum insured gets increased by 10% for every claim-free year.


Sum InsuredINR 10 lakhs to INR 30 lakhs
Waiting Period9 months
Entry Age18 to 65 years
Newborn baby coverN/A

Bharti AXA Smart Super Health Insurance

Bharti AXA Smart Super is a general health insurance policy that also has an optional maternity health insurance add-on. With this plan, you can choose to get a pregnancy cover of either 3 lakhs, 4 lakhs, 5 lakhs, or INR 7.5 lakhs. 

Key Features and Benefits:

  • Maternity insurance cover for 2 deliveries and 2 terminations is provided
  • Newborn baby coverage of INR 50,000 for 90 days after the birth
  • A short waiting period of 9 months
  • Three variants available: Value plan, Classic plan, and Uber plan.


Sum InsuredINR 3 lakhs or INR 5 lakhs
Waiting Period9 months
Entry Age18 to 65 years
Newborn baby coverAvailable

Max Bupa Heartbeat Gold

Max Bupa Heartbeat Gold plan is a pregnancy health insurance plan that covers the newborn baby’s expenses too. Moreover, it will cover the vaccinations of the baby for the first year. 

Key Benefits and Features

  • No age limits for entry into the plan
  • Cover for up to 2 deliveries
  • Waiting period is just 9 months
  • Sum insured ranges from 5 lakhs to 1 crore.
  • Cover for daycare procedures


Sum InsuredUp to INR 50 lakhs
Waiting Period24 months
Entry Age18 to 65 years
Newborn baby coverAvailable

HDFC Ergo Health Suraksha Insurance Gold

HDFC Ergo Health Suraksha Gold policy provides maternity cover after a waiting period of 4 years. Newborn baby expenses are also covered. You can get insured for a sum in the range of INR 3 lakhs to INR 10 lakhs.

Key Benefits:

  • Lifetime renewability
  • No sub-limits imposed on room rent, doctor’s charges, etc.
  • Covers in-patient hospitalization
  • Covers pre and post hospitalization
  • Newborn baby coverage for 90 days after birth
  • The premium cost is affordable for the common man


Waiting Period48 months
Entry Age18 to 65 years
Newborn baby coverAvailable
Network hospitals6000

When is the Right Time to Buy a Maternity Insurance?

You need to plan well ahead of time before purchasing a maternity insurance. Most of the maternity health insurance plans come with a waiting period ranging from 9 months to 4 years. So, make sure that you are planning a child in that time range.

Moreover, you need to keep in mind that most of the health insurance companies in India do not offer pregnancy covers to women who are already pregnant. Many insurers also have an age cap for maternity covers

Hence, it must be clear to you that you should buy maternity insurance way before you plan a child. You could also get a maternity rider while buying a health insurance plan.


Maternity insurance cover is a great rider provided with the best family health insurance plans in India and individual health policies. As mentioned earlier, it is available as a stand-alone policy too. It reduces your stress largely during motherhood. So, you need to make sure that the policy you take up is good enough to serve its purpose. 

Increasing medical inflation makes getting a pregnancy cover in addition to other health covers, an absolute necessity. For women who are soon to embrace motherhood, a plan with a lower waiting period is preferred. 

Hopefully, you would have found the right maternity insurance in this article. Let us know your remarks below in the comments!