Health Insurance Plans for Family That  Offers Maternity Coverage

Health Insurance Plans for Family That Offers Maternity Coverage

Having a child is a moment of immense joy for the entire family. It also brings a heightened sense of responsibility, especially towards the health and well-being of both the mother and the child. Access to timely medical care during and after pregnancy is crucial for ensuring their health. Therefore, having adequate financial support becomes imperative.


Health insurance plans for family play a pivotal role in providing this support, offering coverage for expenses incurred during the prenatal and postnatal phases.

The following sections will shed light on the importance of such plans and will delve into the factors that can help you select the best maternity insurance plan. Keep on reading to learn more!

The Need for Maternity Coverage

Maternity coverage is crucial for several reasons, particularly in the context of healthcare in India:

Financial Protection

Pregnancy and childbirth involve substantial medical expenses, including prenatal care, hospitalisation for delivery, postnatal care, and sometimes unexpected complications. Without maternity insurance, families may face significant financial strain, especially considering the rising healthcare costs in India.

Promoting Prenatal Care

Maternity insurance plans encourage expecting mothers to seek timely prenatal check-ups,screenings, and necessary medical interventions. This reduces the risk of pregnancy-related complications and ensures a healthier outcome for both mother and child.

Reducing Maternal Mortality

Maternal mortality rates remain a concern in India, with preventable complications during pregnancy and childbirth contributing to a significant number of maternal deaths. Maternity insurance enables women to access quality healthcare services, including emergency obstetric care, reducing the likelihood of maternal mortality by ensuring timely interventions and treatments.

Supporting Family Planning

Family planning is essential for empowering individuals to make informed decisions about their  reproductive health. Maternity insurance provides families with the financial means to plan and prepare for pregnancy, spacing childbirths appropriately, and ensuring optimal health outcomes for both mothers and babies.

Ensuring Equal Access to Healthcare

In India, disparities in access to healthcare services exist, particularly in rural and underserved areas. Health insurance plans for family help bridge this gap by providing women, regardless of their socioeconomic background, with access to essential maternal and neonatal care services.

Encouraging Maternal Health Awareness

Maternity insurance plans often include benefits such as prenatal education, counselling, and support services, which can help raise awareness about maternal health issues. This promotes healthy lifestyle choices during pregnancy, and empower women to make informed decisions about their healthcare needs.

Factors To Consider While Buying A Health Plan With Maternity Coverage

When seeking maternity insurance coverage, the following factors should be carefully considered to ensure you select a plan that meets your needs and provides adequate financial protection during pregnancy and childbirth:

Waiting Period

Most health insurance plans impose a waiting period before maternity benefits become available. This waiting period can vary from one plan to another, typically ranging from 2 to 6 years. It's essential to be aware of the waiting period and choose a plan that aligns with your family planning timeline.

Coverage Limit

Check the coverage limits for maternity expenses offered by the insurance plan. Some plans have a sub-limit for maternity, which means there is a maximum amount you can claim for maternity-related expenses. Ensure that the coverage limit is sufficient to cover anticipated expenses such as prenatal care, hospitalisation for delivery, postnatal care, and newborn baby care.

Premium Costs

Maternity insurance often comes with higher premiums due to the increased risk associated with  pregnancy and childbirth. Evaluate the premium costs against the benefits provided to ensure they fit within your budget. Consider whether you can afford the premiums both in the short term and over the long term, especially considering the potential for premium increases in the future.

Network Hospitals

Check whether the insurance provider has a wide network of hospitals in your area that offer maternity services. Having access to a network hospital can simplify the claims process and ensure you receive quality healthcare services. Additionally, some plans may offer  cashless  hospitalisation facilities at network hospitals, which can be beneficial during emergencies.

Pre and Postnatal Care Coverage

Review the extent of coverage provided for pre and postnatal care under the health plan. Ensure that the plan covers essential prenatal check-ups, screenings, diagnostic tests, and consultations with healthcare providers. Similarly, verify whether the plan includes coverage for postnatal care, including follow-up visits, medications, and treatments for any postpartum complications.

Newborn Baby Coverage

Some health plans also provide coverage for newborn baby expenses for a specified period after birth. This coverage may include hospitalisation expenses for the newborn, vaccinations, neonatal care, and any unforeseen medical treatments. Evaluate the coverage provided for newborn babies and ensure it meets your requirements.

Additional Benefits and Riders

Consider whether the health plan offers any additional benefits or riders. For example, some plans may include maternity-related wellness programmes, breastfeeding support, or coverage for assisted reproductive treatments as optional riders.

Tips While Choosing Maternity Coverage

In addition to paying attention to the above factors, you should be mindful of the following tips while buying a maternity plan:

Start Early

Starting your research early is crucial when it comes to choosing the right maternity plan. Since most plans have a waiting period before maternity benefits become available, it's essential to begin exploring your options well in advance of planning to start a family. By starting early, you give yourself enough time to fulfil the waiting period requirement before you actually need the coverage. This ensures that you're prepared and financially protected when the time comes for pregnancy and childbirth.

Assess Your Needs

Before selecting a maternity plan, it's important to assess your family's specific healthcare  needs, particularly related to maternity expenses. Consider factors such as your family planning  timeline, any existing health conditions, anticipated maternity expenses, preferred healthcare providers, and desired level of coverage. By understanding your unique needs and preferences, you can narrow down your options and choose a plan that provides comprehensive coverage tailored to your  requirements.

Read the Fine Print

When evaluating health insurance plans for family, it's crucial to read the fine print and thoroughly review the policy documents, terms, and conditions. Understand what is covered and what is not covered under the plan to avoid any surprises or misunderstandings later on. By carefully reviewing the fine print, you can ensure that you fully understand the coverage details and make an informed decision based on your needs.

Consult an Expert

If you're unsure about which health plan to choose or if you need assistance navigating the  selection process, consider consulting with a financial advisor or insurance expert. An expert can provide personalised advice and guidance based on your specific needs and circumstances. They can help you understand the details of different health plans, clarify any doubts or questions you may have, and assist you in selecting the most suitable plan that aligns with your requirements and budget.

To Sum Up

By providing comprehensive coverage for pregnancy-related expenses, health insurance plans for family play a critical role in safeguarding the well-being of expectant mothers in India. Niva Bupa is one of the leading insurers in India that has a wide range of plans designed for families planning to have a child. Aspire is one such plan that offers comprehensive maternity insurance coverage. Under the M-iracle benefit of the Aspire Plan, you can avail financial protection for expenses related to pre-delivery, delivery, IVF, adoption, surrogacy, infertility treatment, and more.

Contact Niva Bupa for more details about this plan and enjoy the best maternity insurance plan available in the Indian market.