Plan for the baby, not the bill
Maternity cover is one of the few benefits you have to buy long before you need it. Almost every plan has a waiting period of a few years, so the best time to sort this is well before you're planning.
Cover that actually works for you
Delivery costs covered
Normal and caesarean deliveries are covered up to a limit, which varies a lot between plans, so the limit matters more than the headline.
Newborn cover from day one
Good plans cover your baby from birth, including treatment if the newborn needs care.
Pre & post natal expenses
Scans, consultations and follow-ups around the delivery, often capped, so we compare the caps carefully.
Cashless delivery
Deliver at a network hospital without paying the bill upfront and claiming later.
Waiting periods, compared honestly
This is the whole ballgame. We line up the shortest realistic waiting periods so your plan is ready when you are.
Vaccination cover
Some plans cover your baby's first-year vaccinations, a small benefit that quietly adds up.
Find the right fit
Not sure which one suits you? That's exactly what our free call is for.
Floater with maternity
A family plan that includes maternity benefits after its waiting period.
Planning ahead
Maternity rider
An add-on bolted onto a base health plan, where the insurer offers it.
Existing policyholders
Employer cover + top-up
Use your company's group maternity benefit and top up the gaps personally.
Salaried couples
Base plan first
If a baby isn't near-term, strong core health cover now beats an expensive maternity add-on.
Not planning yet
What to check before buying maternity cover
- The waiting period, buy years before you plan, not months
- The delivery limit, and whether normal and caesarean are capped differently
- Whether the newborn is covered from day one
- Limits on pre-natal and post-natal expenses
- Whether existing pregnancy is excluded (it almost always is)
- Network hospitals with the maternity facilities you'd want
Advice with zero spam
Talk to IRDAI-certified advisors who get paid to help you, not to push a product. No call-centre scripts, no endless follow-ups.
We handle the paperwork
From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.
Claims support for life
When you need to claim, our team helps you file, follow up and get paid, for as long as you hold the policy.
Maternity Insurance FAQs
Unfortunately no, an existing pregnancy is treated as a pre-existing condition and is excluded by essentially every insurer. This is why maternity has to be planned years ahead.
Typically two to four years depending on the plan. That's the single most important number to compare, because a shorter wait is what makes the benefit usable.
It depends on your timeline. If a baby is several years away, the maths often favours strong base cover now. If you're planning within the waiting window, it can pay for itself. We'll run both.
Many group plans include maternity with little or no waiting period. Check it first, you may only need to top up the gaps rather than buy a whole new plan.
Better plans cover the newborn from day one, and let you add the baby as a full member at renewal. We check this specifically before recommending.
Insurers we place maternity insurance with
Health insurance
Get maternity insurance advice you can trust
Book a free, no-obligation call. We'll help you choose the right cover, and nothing you don't need.