maternity insurance

Welcoming a new member into the family is a joyous occasion, but it can also be accompanied by significant medical expenses. Maternity insurance is designed to alleviate the financial burden associated with pregnancy and childbirth. 

At Digibima, an insurance aggregator in India, we aim to provide you with comprehensive information to help you understand how maternity insurance can be beneficial and what to expect from it.

What is Maternity Insurance?

This type of health insurance policy covers medical expenses related to pregnancy, childbirth, and postnatal care. It can be a standalone policy or an add-on to an existing health insurance plan. The coverage typically includes prenatal and postnatal care, delivery costs (both normal and cesarean), and sometimes newborn care.

Benefits of Maternity Insurance

1. Financial Security

One of the primary benefits of this type of insurance is its financial security. The cost of prenatal care, delivery, and postnatal care can add up to a significant amount. This insurance helps cover these expenses, reducing the financial strain on the family.

2. Comprehensive Coverage

It often provides comprehensive coverage, including:

  • Prenatal Care: Regular check-ups, ultrasounds, and other diagnostic tests during pregnancy.
  • Delivery Costs: Expenses related to normal or cesarean delivery.
  • Postnatal Care: Medical care for the mother after childbirth, including follow-up visits and treatments.
  • Newborn Care: Coverage for the newborn’s medical expenses, which may include vaccinations and treatment for any congenital conditions.

3. Access to Quality Healthcare

With maternity insurance, you can access better healthcare facilities without worrying about the costs. This ensures that both the mother and the baby receive the best possible care during pregnancy and after birth.

4. Cashless Facility

Many plans offer a cashless facility, allowing you to avail of medical services at network hospitals without having to pay out of pocket. This is especially beneficial during emergencies when immediate funds might not be readily available.

5. Peace of Mind

Knowing that you have a financial safety net in place allows you to focus on your health and well-being during pregnancy, rather than worrying about medical expenses.

Realities of Maternity Insurance

1. Waiting Period

One of the key realities of this insurance is the waiting period. Most policies have a waiting period ranging from 9 months to 4 years before the maternity benefits can be availed. It’s important to plan and purchase a maternity insurance policy well in advance if you are planning to start a family.

2. Coverage Limits

This Insurance comes with coverage limits, meaning there is a maximum amount that the insurance company will pay for maternity-related expenses. It’s crucial to understand these limits and ensure that they are sufficient to cover your anticipated expenses.

3. Exclusions

Maternity insurance policies also have exclusions. These can include treatments for fertility-related issues, ectopic pregnancy, and expenses related to self-inflicted injuries. Always read the policy document carefully to understand what is excluded.

4. Premiums

These policies generally come with higher premiums compared to regular health insurance policies. This is due to the increased risk and high costs associated with pregnancy and childbirth.

Real-Life Example

Consider the case of Priya and Rajesh, a young couple planning to start a family. They decided to purchase a maternity insurance policy through Digibima, understanding the benefits and realities involved. By planning ahead and purchasing the policy two years before they planned to conceive, they ensured that the waiting period would be over by the time they needed the coverage. When Priya became pregnant, the policy covered all prenatal check-ups, delivery expenses, and postnatal care, providing financial relief and peace of mind for the couple.


Maternity insurance can be a valuable investment for young couples planning to start a family. By understanding the benefits and realities, and with the right guidance from Digibima, you can make an informed decision that ensures financial security and peace of mind during one of the most important phases of your life.

FAQ Section

Q1: What is the typical waiting period for maternity insurance?
A1: The waiting period typically ranges from 9 months to 4 years, depending on the policy.

Q2: Can I get maternity insurance if I am already pregnant?
A2: No, most of these policies do not cover pre-existing pregnancies. It’s advisable to purchase the policy well before planning to conceive.

Q3: What expenses are covered under maternity insurance?
A3: It covers prenatal care, delivery costs (normal and cesarean), postnatal care, and sometimes newborn care.

Q4: Are there any exclusions in maternity insurance policies?
A4: Yes, exclusions can include treatments for fertility-related issues, ectopic pregnancy, and expenses related to self-inflicted injuries. Always check the policy document for specific exclusions.

Q5: Why are the premiums for maternity insurance higher?
A5: The premiums are higher due to the increased risk and high costs associated with pregnancy and childbirth.

Maternity Insurance