Star Health Logo

Maternity Health Insurance

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.

*I hereby authorise Star Health Insurance to contact me. It will override my registry on the NCPR.


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.


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 for your spouse or your family. Maternity cover provided as a part of your health insurance 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.


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 NameStar Comprehensive Insurance PolicyYoung Star Insurance Policy (Gold Plan)Star Women Care Insurance PolicySuper Surplus Insurance Policy (Gold Plan)Star Super Surplus(Floater) Insurance Policy (Gold Plan)
Entry AgeAdult18- 65 years18- 40 years18 - 75 Years18 - 65 years18 - 65 years
Dependent Child91 days to 25 Years91 days to 25 Years91 days to 25 Years91 days to 25 Years91 days to 25 Years
if Daughter unmarried / not earning - till 30 yrs.
Product typeIndividual / FloaterIndividual / FloaterIndividual / FloaterIndividualFloater
Policy period1 /2 /3 - Years1 /2 /3 - Years1 /2 /3 - Years1 / 2 - Years1 / 2 - Years
Sum Insured (S.I.) Rs. (Lakhs)5 / 7.5/ 10/ 15 / 20/ 25 / 50 / 75 / 100 LakhsIndividual - 3 lakhs5 / 10 / 15 /20 / 25 /50 / 100 LakhsSI: 5 / 7 / 10 / 15 / 20 / 25 / 50 / 75 / 100 LakhsSI: 5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs
Defined Limit: 3 LakhsDefined Limit: 3 / 5 / 10 / 15 / 20 / 25 Lakhs
Individual & Floater - 5 /10 / 15 /20 /25 / 50 / 75 / 100 LakhsSI: 5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs 
Defined Limit: 5 / 10 / 15 / 20 / 25 Lakhs 
Cumulative Bonus for every claim-free yearUp to 100% S.I.Up to 100% S.I.Up to 100% S.I.NilNil
Maternity coverage & waiting PeriodYes & 24 monthsYes & 36 monthsYes,Yes & 12 monthsYes & 12 months
24 months for 5 /10 lakhs S.I.
12 months for 15 lakhs and above S.I.
Mid-term inclusionAvailableAvailableAvailableNot availableNot 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 and family medical insurance are the best approaches to tackle expenses.


Advantages of buying medial policy with delivery benefit


Financial backup 


Maternity insurance covers 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 plans cover pre and post-natal expenses.


Covers new born baby


Our plans namely Star comprehensive, Young Star (Gold) and Super Surplus Gold plan 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 best health insurance policy 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 policy documents.


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


Why choose a policy 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.


Confused? We’ve got the answers

Get all your Health Insurance related doubts clarified.