Can I get maternity insurance while I am pregnant?

Unfortunately No, You can buy a health insurance policy when you are pregnant. Maternity benefits cannot be availed as delivery coverage is subject to a minimum of 12 months waiting period (under the Super Surplus Insurance Policy). Star Comprehensive Insurance Policy and Young Star Insurance Policy covers delivery expenses with a waiting period of 24 months and 36 months respectively.

Is there any maternity insurance without a waiting period?

Unfortunately, Maternity insurance is not under the retail health insurance policies. Delivery expenses have some waiting period ranging from 12 months – 36 months. However, you may be exempted from the waiting period for maternity coverage in a group tailor-made policy.

Can my new born get covered under the maternity policy?

Yes, your newborn can be added to the policy at the time of renewal or can be included mid-term, subject to a prior intimation from the date of birth.

When should I get a maternity health insurance plan?

At least 3 years to 1 year in advance is suggested, to ensure that the waiting periods in any policy do not affect its coverage when planning a baby.

How do I get medical insurance for my newborn baby?

The feature of adding the newborn in the middle of the Policy Period is termed as Mid-term Inclusion. You can cover your newborn under your existing medical insurance, provided the policy facilitates the coverage. Just intimate Star health insurance within 90 days from the date of birth of the newborn baby, the newborn baby will be covered from 91st day. Under Health insurance policies like Comprehensive Insurance Policy and Young Star Insurance Policy have the feature of mid-term inclusion. Mid-term inclusion is as per the terms and conditions of the Policy.

Does the policy cover more than one delivery expense?

Yes, of course. The Comprehensive Insurance Policy and Young Star Health Insurance policies provide benefits to cover the second child’s birth. Maternity-related benefits are available for two deliveries during the lifetime under this policy.

Is there Star health insurance with maternity coverage no waiting period available?

It is the best option to choose the maternity insurance plan if you are planning to begin your family.

Maternity Health Insurance

Name: Health Insurance India
Brand: Star Health and Allied Insurance
SKU: Health Insurance
Rating: 4.8 (4284 reviews)

Maternity health insurance is a health policy that provides extensive coverage for all pregnancy-related medical expenses, including hospitalization costs, delivery (normal and C-sec), pre and post-natal care, medical tests, and newborn baby expenses. Maternity insurance offers financial stability and helps women prepare themselves for raising their baby.
Nowadays, corporates add maternity benefits as a rider or part of their health insurance policy for female employees. In India, maternity insurance plans have a waiting period ranging from 9 months to 6 years, depending on the insurance provider. Expectant mothers can get quality healthcare facilities, and their delivery costs are covered under the maternity health insurance policy.

Maternity Health Insurance in India

Becoming a new parent and bringing a new life into the world ushers along with joy, happiness, and excitement. Just like the quote goes, “With great power comes, great responsibility”, becoming a parent brings the responsibility of caring for a new life. While this is an exciting phase of life, uncertainties may crop up, and it is always better to be prepared.

We realise that growing medical inflation and escalating hospitalisation costs are putting a strain on the couple’s finances. As a result, Star Health Insurance provides Maternity health Insurance Policies, so you no longer have to worry about growing medical costs.

As Per IRDAI Maternity expenses is termed as medical treatment expenses traceable to childbirth including normal or cesarean sections incurred during hospitalisation. It includes expenses towards lawful termination of pregnancy during the policy period.

A medical policy with delivery benefits is essential to meet the growing expenses, particularly when it comes to prenatal care, doctor’s visits, delivery, and post-natal care.

A medical policy with delivery benefits ensures the mother and baby are well protected while labour, particularly if any complications arise during the delivery and the early days of the child’s life.

To enjoy their benefits efficiently, it is better to have maternity insurance plans with no waiting period or have lowest waiting period for maternity insurance.

Why do you need delivery expense coverage as a part of your regular health insurance?

“Nearly 41% of all deaths in under-fives occur among new born, babies in their first 28 days of life, or babies in the neonatal period”, says WHO on its report on new born death and illness.

The average cost of Normal or C-section deliveries are rising and can go up to ₹ 2 lakhs and above in most cities in India.

Although there are limited maternity health insurance policies in India, one of the key benefits of Star Health Insurance’s individual and family floater policies is that they cover expenses incurred during delivery and for the newborn.

This is a great feature if you are looking to buy a Mediclaim plan with delivery expense coverage or pregnancy insurance for your spouse or your family. Health insurance with maternity cover can cover expenses that arise due to normal delivery or cesarean delivery and/or if the baby has been hospitalised due to any medical complications.

The pregnancy insurance has to be considered by every new mother for their delivery needs.

Whether you plan to purchase a Mediclaim policy with delivery benefits or you are looking to switch to a family policy, Star Health Insurance provides soon-to-be parents with the right medical insurance Star Health Insurance’s individual and family floater policies is that and support they need to have healthy and happy pregnancies.

As we are aware, having a child comes with its own joys and expenses. And these expenses could take a toll on the finances and well-being of new parents.

Hence, it is important to purchase a medical insurance policy that covers maternity-related expenses well before pregnancy.

Star Health policies covering delivery expenses?

With maternity health plans, you can stay financially protected from the costs incurred during pregnancy. Here is a detailed table that explains the various plans offered by Star Health for pregnant women, along with the sum insured and waiting period:

Policy Name		Star Comprehensive Insurance Policy	Young Star Insurance Policy (Gold Plan)	Star Women Care Insurance Policy	Super Surplus Insurance Policy (Gold Plan)	Star Super Surplus(Floater) Insurance Policy (Gold Plan)
Entry Age	Adult	18- 65 years	18- 40 years	18 - 75 Years	18 - 65 years	18 - 65 years
	Dependent Child	91 days to 25 Years	91 days to 25 Years	91 days to 25 Years	91 days to 25 Years	91 days to 25 Years
	Dependent Child	91 days to 25 Years	91 days to 25 Years	if Daughter unmarried / not earning - till 30 yrs.	91 days to 25 Years	91 days to 25 Years
Product type		Individual / Floater	Individual / Floater	Individual / Floater	Individual	Floater
Policy period		1 /2 /3 - Years	1 /2 /3 - Years	1 /2 /3 - Years	1 / 2 - Years	1 / 2 - Years
Sum Insured (S.I.) Rs. (Lakhs)		5 / 7.5/ 10/ 15 / 20/ 25 / 50 / 75 / 100 Lakhs	Individual - 3 lakhs	5 / 10 / 15 /20 / 25 /50 / 100 Lakhs	SI: 5 / 7 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs	SI: 5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs
			Individual - 3 lakhs		Defined Limit: 3 Lakhs	Defined Limit: 3 / 5 / 10 / 15 / 20 / 25 Lakhs
			Individual & Floater - 5 /10 / 15 /20 /25 / 50 / 75 / 100 Lakhs		SI: 5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs
					Defined Limit: 5 / 10 / 15 / 20 / 25 Lakhs
Cumulative Bonus for every claim-free year		Up to 100% S.I.	Up to 100% S.I.	Up to 100% S.I.	Nil	Nil
Maternity coverage & waiting Period		Yes & 24 months	Yes & 36 months	Yes,	Yes & 12 months	Yes & 12 months
				24 months for 5 /10 lakhs S.I.
				12 months for 15 lakhs and above S.I.
Mid-term inclusion		Available	Available	Available	Not available	Not available

Why is a medical policy with maternity benefits important?

Pregnancy and going through labour are important phases of a woman’s life. While there is certainly the joy of becoming a parent, most women experience the accompanying anxiety as well. So one thing you need not worry about during this time is hospitalisation expenses. If you have an insurance policy that provides cover for maternity expenses, you can put your worries to rest and enjoy your pregnancy, knowing that all the costs are taken care of.

With the escalating medical costs across the country and the surge in delivery expenses in private hospitals, opting for maternity insurance cover especially the maternity insurance plans with no waiting period and family medical insurance are the best approaches to tackle expenses.

Advantages of buying medial policy with delivery benefit

Financial backup

Maternity cover health insurance includes expenses incurred during either normal or cesarean delivery. No matter what medical treatment you may require, you need not stress or worry. Moreover, policies with maternity insurance coverage cover pre and post-natal expenses.

Covers new born baby

Our plans namely Star Comprehensive Insurance Policy, Young Star Insurance Policy and Super Surplus Insurance Policy provide coverage for the new born from day one. This includes expenses due to medical emergencies and vaccinations as well.

Covers delivery expenses

Buying a Mediclaim plan with maternity benefits offers financial protection during pregnancy. It takes care of pre-and post-natal expenses, ambulance charges, delivery expenses, irrespective of a normal or cesarean delivery.

What should you consider before buying a Mediclaim plan with maternity benefits?

Every parent deserves the maternity cover insurance to cover delivery expenses. Handling the high maternity care costs without medical insurance might be tough for both the parents. As a result, the best method to organise your finances is to purchase a maternity health insurance policy, ensuring a healthier and pleasant parenthood.

Here are some things to consider when choosing a medical policy with maternity benefits

Choose the finest maternity insurance plan that protects you from various medical bills, not just hospitalisation costs.
Every household needs to save money. As a result, check for premium savings you can take advantage of.
Browse the listing of Cashless Network Hospitals to ensure that you have easy accessibility to cashless facility in the event of a medical emergency.
Understand the policy’s inclusions, exclusions, sub-limits, and waiting period by reading the maternity insurance policy documents.

By carefully comparing the maternity insurance plans and selecting the proper policy with maximum coverage and features, you may acquire maternity coverage at an affordable cost.

Why choose a health insurance with maternity cover from Star Health Insurance?

Pre- and post-natal care

Not all health insurers offer to cover pre-and post-natal delivery expenses. It is truly an advantage of Star Health offering coverage for your pre and post-natal expenses.

Cashless facility

Expecting mothers can avail of cashless facility from more than 14,000+ network hospitals across the country.

Fast and hassle-free claims settlement

Star Health Insurance policyholders can get prompt claim settlement across 14000+ network hospitals, which is a key benefit at the time of childbirth to spend time healing and taking care of your loved ones. At Star Health you can get your claims settled in a hassle-free manner with no TPA (Third-Party Administrator) involvement as per the policy terms and conditions.