Maternity health insurance is an add-on or inbuilt benefit in many health plans that reimburses or pays directly for medical expenses during pregnancy and delivery. It typically includes:

• Pre and post-natal check-ups
• Delivery (normal or C-section)
• Hospitalization and doctor fees
• Newborn baby cover (for a limited period)
• Complications arising during pregnancy

The best time to buy maternity health insurance is at least 2–3 years before planning a pregnancy. That’s because most maternity policies come with a waiting period before benefits kick in. The earlier you buy, the sooner you become eligible for coverage

Maternity insurance in India requires a waiting period of 9 months to 4 years before delivery expenses can be claimed. As per IRDAI standards, coverage for active pregnancies is unavailable to prevent adverse selection, making it essential to secure a policy at least 24 months before conception.

Pick a plan early (2–3 years before pregnancy), with a short waiting period, high delivery cap, and newborn cover. Please pay attention to the following 

If you buy maternity insurance after pregnancy has begun, insurers treat it as a pre-existing condition, so maternity expenses won’t be covered. You’ll miss the waiting period requirement and must bear delivery costs yourself. Buying early ensures eligibility, full coverage, and tax benefits

• Pregnancy detected before purchase is not covered by any standard health policy (IRDAI rule)
• You’ll pay all delivery and newborn expenses out of pocket until the waiting period ends
• Only corporate group covers or renewals with existing maternity riders may provide limited relief

Buying maternity insurance is simple and paperless with Apollo 24|7 Insurance