Planning a family in 2025 Maternity costs in top Indian cities now range from ₹70,000 to ₹2
lakh for delivery alone - and that doesn’t include check-ups or newborn care.
A dedicated maternity health insurance plan covers delivery expenses,
C-section costs, newborn care, and even vaccinations under one policy. It reduces your
hospital bills and ensures smooth cashless treatment during one of life’s most important
moments.
This guide lists the top maternity plans for 2025 with their waiting periods, sub-limits, and
premium ranges - plus tips to choose the right one for your family’s timing and budget.
Whether you plan a child this year or next, buying a plan early makes a big difference in
eligibility and benefits.
What Is Maternity Health Insurance?
A maternity plan is a specialized health policy that covers:
- Normal and C-section deliveries
- Pre- and post-natal expenses (30 - 60 days)
- Newborn baby cover (usually first 90 days)
- Vaccination and complication treatments
Some plans come as stand-alone maternity covers, others as add-ons
to family floaters.
Why You Should Buy Before Pregnancy
- Waiting period is typically 2 - 4 years before maternity benefits activate.
- Pre-existing pregnancy is not covered by new plans.
- Buying early ensures coverage when you actually need it.
- Premium is lower when you buy before conception (age factor applies).
Compare Maternity Health
Plans →
Top Maternity Health Plans in India 2025
| Rank |
Insurer |
Plan Name |
Waiting Period |
Maternity Limit (₹) |
Avg. Annual Premium (₹10 L Family Floater) |
| 1 |
Care Health Insurance |
Care Joy |
9 months - 2 years |
₹35,000 - ₹1 L |
₹14,500 |
| 2 |
Star Health |
Comprehensive Plan |
2 years |
₹50,000 - ₹1 L |
₹15,000 |
| 3 |
Niva Bupa |
Health Premia |
2 years |
₹35,000 - ₹1.5 L |
₹16,000 |
| 4 |
Aditya Birla |
Activ Health Platinum |
3 years |
₹40,000 - ₹1 L |
₹14,800 |
| 5 |
ManipalCigna |
ProHealth Protect |
3 years |
₹50,000 |
₹15,200 |
| 6 |
HDFC ERGO |
Optima Restore + Maternity Rider |
3 years |
₹50,000 |
₹15,500 |
What Maternity Plans Usually Cover
- Delivery cost (normal or C-section)
- Pre- and post - hospitalization expenses
- Doctor visits & tests through pregnancy
- Newborn baby treatment (30 - 90 days)
- Vaccinations & immunizations
- Complications (e.g., pre-eclampsia, premature delivery)
- Cashless facility in network maternity hospitals
What’s Not Covered (Common Exclusions)
- Pre-existing pregnancy before policy start
- Infertility treatments (IVF, IUI, ART)
- Congenital diseases beyond newborn window
- Over-the-counter vitamins or supplements
- Planned home births without medical supervision
How to Pick the Right Maternity Plan 2025
- Buy at least 2 - 3 years before planning pregnancy.
- Check waiting period and sub-limits (₹50k - ₹1 L).
- Opt for comprehensive base cover ₹10 - ₹15 L.
- Ensure newborn coverage ≥ 90 days.
- Verify cashless network maternity hospitals in your city.
- Consider add-ons like No Claim Bonus Protector and Room Rent Waiver.
Check Waiting Period in
Your City →
Maternity vs Standard Family Floater (Quick Comparison)
| Feature |
Family Floater (Standard) |
Maternity Add - On |
| Covers Pregnancy |
No |
Yes |
| Newborn Cover |
30 days (optional) |
Up to 90 days + vaccination |
| Waiting Period |
N/A |
2 - 4 years |
| Premium |
Lower |
+ ₹2k - ₹4k/year |
| Best Time to Buy |
After marriage |
Before planning child |
Local Insights (Hyderabad)
- Avg. maternity hospital bill (2025): ₹95,000.
- Avg. waiting period in local plans: 3 years.
- Most popular plan among couples in Telangana: Family First Health Plan.
- Top network maternity hospitals: Care Women Hospital, MotherCare
Clinic, City Maternity Centre.
FAQs
When should I buy maternity insurance?
At least 2 years before conceiving to finish the waiting period.
Can I buy it if I’m already pregnant?
No - pregnancy is treated as a pre-existing condition.
Does it cover C-section costs?
Yes, up to the plan’s sub-limit.
Does the newborn get covered automatically?
Usually for first 30-90 days, extendable after that.
Can I add maternity as a rider later?
Yes, some plans allow it at renewal if no ongoing pregnancy.
Are vaccinations covered?
Yes, in comprehensive maternity plans like Care Joy or Star Comprehensive.
Can employer group insurance cover maternity?
Yes, many corporate policies include it with short waiting periods.
Do I get tax benefits for maternity premium?
Yes, under Section 80D as part of health premium.
Is there a waiting period for second delivery?
Yes, applies again after each claim cycle.
Which plan has the shortest waiting period in 2025
Care Joy - as low as 9 months on select variants.
Buy Maternity Cover Online →
Customer Reviews
- “Bought maternity cover two years back - now fully cashless delivery at Apollo.” -
Ravi Menon
- “Care Joy plan covered both delivery and baby vaccinations.” - Sneha Iyer
- “Didn’t know waiting period mattered so much - glad we planned ahead.” -
Vikram Desai
- “PolicyBachat made comparisons simple and transparent.” - Kavya Sharma
- “Seamless cashless claim process - worth every rupee.” - Rajesh Rao
- “Helpful for young families - the newborn coverage saved us ₹40k.” - Meera
Nair
PolicyBachat Advantage
- Compare 20+ insurers with maternity options.
- Filter by waiting period, coverage, and premium.
- See cashless maternity hospitals by city.
- Free Claim Assist for delivery claims.
- 100 % digital policy issuance in minutes.
PolicyBachat Tip
Buy maternity insurance as soon as you start planning a family - not after pregnancy is
confirmed.
Tax Benefits
- Self + family = ₹25,000 deduction
- Parents (<60) = +₹25,000
- Parents (60+) = +₹50,000
- Total possible saving = ₹75,000 per year