Maternity Insurance

Name: IndusInd Maternity Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Having a baby is one of life's most beautiful moments. But it also comes with big medical costs that can worry you. From doctor visits to delivery charges, the expenses add up quickly. This is where maternity insurance from IndusInd General Insurance (formerly Reliance General Insurance) steps in to help you.

Our maternity insurance policy covers your pregnancy and childbirth costs so you can focus on your health and your baby's well-being. We take care of hospital bills, delivery charges and even your newborn's first medical needs.

Many people don't know that regular health insurance often doesn't cover pregnancy expenses. That's why getting separate IndusInd pregnancy insurance is so important. Planning ahead with our maternity health insurance means you won't face financial stress during this special time.

Why US

Why 8 Crore+ Policyholders Trust Us?

Our health insurance plans offer coverage against the rising cost of medical treatments and cover a wide range of medical services, ensuring healthcare remains accessible to you in times of need.

Location - Health Insurance

Up to 40% Discount

Get up to 40% discounts on your premium

20+ Add-On Covers

Enhance coverage with add-ons for your policy

AYUSH+Modern Treatments

Includes modern and AYUSH treatments

24/7 Customer Support

Quick claims and queries support

What Is Maternity Insurance?

Maternity insurance is special health coverage for pregnancy and childbirth costs. At IndusInd General Insurance, we offer it as an add-on to your regular health insurance. This pregnancy insurance pays for everything from your prenatal check-ups to delivery charges.

We also cover your hospital stay, medicines and tests. Even your newborn baby's early medical care is included. Our maternity insurance benefits ensure both mother and child get proper healthcare without worrying about bills.

Why Do You Need Maternity Insurance?

Rising Medical Costs Make It Essential

Having a baby now costs between ₹1.5 and ₹2.5 lakhs or even more in big cities. Hospital charges, doctor fees and medicine costs keep going up every year. Without maternity health insurance, these expenses can drain your savings quickly and create financial stress during what should be a happy time for you and your family.

Covers Unexpected Complications

Pregnancy doesn't always go as planned. Sometimes complications happen that need extra medical care or emergency procedures. These unexpected situations can cost much more than a normal delivery. Our maternity insurance policy covers these complications, so you're protected when things don't go smoothly and you need additional treatment or specialised care.

Protects Your Newborn Too

Your baby needs immediate care after birth, including vaccinations, check-ups and sometimes special treatment. Our maternity insurance benefits include coverage for your newborn's first medical needs. This means your child is protected from day one. You won't worry about affording proper healthcare for your little one during those crucial early days and weeks.

Removes Financial Stress During Pregnancy

Knowing you have pregnancy insurance from us removes financial worries during pregnancy. You can focus completely on your health and preparing for your baby. There's no stress about hospital bills or treatment costs. You stay relaxed during pregnancy when you need to remain calm and healthy for yourself and your growing baby, without money concerns bothering you.

Key Features & Benefits Of Maternity Insurance

Comprehensive Pregnancy Coverage

Our maternity insurance policy covers all stages - before, during and after delivery. This includes regular check-ups, tests, scans and medicines throughout pregnancy. Both normal and caesarean deliveries are covered. All pregnancy-related expenses are taken care of under one plan. We provide complete protection for your entire pregnancy journey.

Cashless Hospital Facility

With our cashless claims, you don't pay bills at the hospital. We settle everything directly with the hospital for you. You just show your maternity health insurance card and focus on your delivery. No need to arrange money or worry about payments. We handle the finances during this important time in your life.

Newborn Baby Benefits

Your baby gets coverage from birth for vaccinations, check-ups and any medical needs. If your newborn needs special care or treatment, we cover that too. Our maternity insurance benefits extend to your child, ensuring proper healthcare from day one. Your baby is protected right from the first moment of life.

Covers Pre and Post-Natal Care

All your prenatal visits, tests and consultations are included in our coverage. After delivery, your follow-up check-ups and post-natal care are also covered by us. Recovery treatments and medicines during this period are paid for. Our pregnancy insurance supports you through the entire journey, not just the delivery day.

Protection Against High Hospital Costs

Long hospital stays during pregnancy and delivery can be very expensive for families. Room charges, operation theatre costs and extended care add up fast. Our maternity insurance policy handles all these hospital expenses for you. You get quality treatment without worrying about the mounting bills that come with extended hospitalisation and medical care.

Tax Benefits on Premiums

The premium you pay for our maternity health insurance qualifies for a tax deduction under Section 80D of the Income Tax Act. You'll save money on taxes and be safe during your pregnancy. It's a smart financial move that reduces your tax burden. You get health protection and tax savings together in one investment with us.

Inclusions and Exclusions of Maternity Health Insurance

What's Covered In Maternity Insurance?

Delivery Expenses: Both normal and caesarean delivery costs are fully covered, including operation theatre charges and doctor fees.

Hospital Stay: Room rent, nursing care and all hospitalisation expenses during your pregnancy and delivery are included in coverage.

Medical Tests: All prenatal tests, like ultrasounds, blood tests and scans throughout your pregnancy, are covered under the policy.

Ambulance Charges: Emergency ambulance service to take you to the hospital when labor starts is covered by maternity insurance.

Baby Care: Your newborn's first vaccinations, check-ups and immediate medical needs after birth are included in the maternity insurance coverage.

What's Not Covered In Maternity Insurance?

Self-Harm: Any intentional self-injury, suicide attempts, or harm caused on purpose is not covered under the maternity insurance policy.

Substance Abuse: Pregnancy complications caused by alcohol, drugs, or other intoxicating substances are excluded from coverage under health insurance for pregnant women.

Unregistered Hospitals: Treatment taken at hospitals that aren't registered or approved by medical authorities won't be covered by your policy.

Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.

Your health deserves expert care, call now!

One quick call = years of savings

Call Us

When To Buy Maternity Insurance?

Buy Before Planning Pregnancy

Purchase your pregnancy health insurance before you start trying for a baby because there's a waiting period involved. Most policies need one to two years before claims can be made. Planning early ensures you're covered when you actually get pregnant.

Account For Pre-Existing Conditions

If you have diabetes, high blood pressure, or other health conditions, additional waiting periods may apply for maternity insurance coverage. These conditions need extra time before coverage starts. Buying early gives you enough buffer time to complete all waiting periods comfortably.

Consider Waiting Period Requirements

All maternity insurance policies have mandatory waiting periods ranging from one to two years. You can't claim benefits immediately after buying. Understanding this helps you time your purchase correctly and avoid disappointment when you need the pregnancy health insurance coverage most.

Newly Married Couples Should Act Fast

Just got married and planned a family soon? This is the perfect time to buy health insurance for pregnant women. Starting early means your waiting period ends before you're ready for pregnancy. You'll have full coverage when the time comes without any delays.

Eligibility Criteria Of Maternity Insurance

Age Requirements

Women between 18 and 45 years can get maternity insurance coverage added to their health insurance policy. The age is calculated based on completed years at the time of buying. Check if you fall within this age bracket before purchasing your pregnancy health insurance plan.

Waiting Period Completion

You must complete the mandatory waiting period before making any maternity claims on your policy. This typically ranges from one to two years, depending on the maternity insurance policy you choose. No claims are accepted during this waiting period, regardless of your pregnancy status.

Policy Active Status

Your health insurance for pregnant women must be active with all premiums paid on time. You could lose your pregnancy benefits and have to start waiting again if you don't make your payments on time. Keep your insurance policy running without breaks to make sure continuous coverage when you need it most.

How To Buy Maternity Insurance Online?

Purchasing maternity insurance with IndusInd General Insurance is simple and convenient. Follow these easy steps to secure comprehensive pregnancy coverage from the comfort of your home:

Step 1: Visit the official IndusInd General Insurance website and navigate to our health insurance plans section.

Step 2: Enter your personal details, including name, mobile number, email address and pin code. Click on 'View Prices' to see available options.

Step 3: Choose a comprehensive health insurance plan that includes maternity coverage as an add-on benefit.

Step 4: Provide all necessary information, including family members to be covered, sum insured amount, policy tenure and select the Maternity Cover option.

Step 5: Review your policy details carefully, verify all information and proceed to make the payment. Your policy document will be issued instantly and sent to your registered email address.

How To Claim Maternity Insurance?

The maternity health cover benefits can be claimed through two convenient methods - cashless claims and reimbursement claims. Here's how each process works:

Cashless Claims

Step 1: Intimate and register your claim by contacting us on our toll-free number +91 22 48903009 or email us at healthcare@indusindinsurance.com at least 48 hours before planned hospitalisation.

Step 2: Visit any of our network hospitals with your policy document and health insurance card for admission.

Step 3: Coordinate with the TPA (Third-Party Administrator) desk at the hospital. Submit the necessary medical records and arrange for pre-authorisation with ICare Health, our in-house health claims unit.

Step 4: Upon completion of the treatment, verify and sign the hospital bills. Leave the final settlement documents at the hospital's TPA desk.

Step 5: The hospital representatives will share the documents with us and we will settle the approved bills with them directly. You can walk out without making any payment for covered expenses.

Reimbursement Claims

Step 1: Intimate and register your claim by contacting us on our toll-free number +91 22 48903009 or writing to us at healthcare@indusindinsurance.com within 24 hours of hospitalisation.

Step 2: Undergo the medical treatment for pregnancy and delivery at any hospital of your choice and pay for all applicable expenses upfront.

Step 3: Collect all important documents, including original hospital bills, prescriptions, diagnostic reports, discharge summaries and medical records.

Step 4: Submit the complete claim documents to us within 7 days from the date of discharge to this address:

Step 5: Send the scanned copies of all documents within seven days to help us process your claim faster. Once verified and approved, the claim amount will be credited directly to your registered account.

Factors Affecting Maternity Insurance Premium

Your Age Matters

Younger women usually pay lower premiums for pregnancy health insurance compared to older women. As age increases, the premium cost goes up because pregnancy risks are higher. Women in their twenties get better rates than those in their late thirties or early forties when buying coverage.

Health Condition Impact

Your current health status directly affects your maternity insurance policy's premium amount significantly. Pre-existing conditions like diabetes or high blood pressure increase the cost because they add to the risk of pregnancy complications. Healthy people with no medical conditions pay lower rates than those with health issues.

Sum Insured Amount

Higher coverage restrictions mean higher pregnant health insurance premiums. If you choose ₹2 lakhs coverage instead of ₹1 lakh, your premium increases accordingly. Decide your sum insured based on expected hospital costs in your city and your budget for maternity insurance coverage.

Waiting Period Selection

Policies with shorter waiting periods of one year cost more than two-year waiting period options. You pay extra for faster access to maternity benefits and quicker claim eligibility. Choose based on when you're planning a pregnancy and how much premium you can comfortably afford to pay regularly.

Understanding Waiting Period in Maternity Insurance

The waiting period is the time you must wait after purchasing maternity insurance before you can claim benefits. This is very important to understand when planning your pregnancy coverage.

Types of Waiting Periods:

Initial Waiting Period (30 days) - Applies to all health conditions immediately after policy purchase.
Maternity Waiting Period (2 to 4 years) - The specific period before maternity benefits activate.

Insurance companies use waiting times to stop unfair selection and keep insurance pools financially stable. This makes sure that every policyholder can still get benefits.

Tips For Buying Maternity Insurance

Check Claim Settlement Ratio

Choose an insurer with high claim settlement rates above 90% for reliable service. These numbers show that they quickly accept and pay claims with no problems. A good settlement ratio means a smooth experience when you need your pregnancy health insurance benefits most.

Review Coverage Inclusions Carefully

Read what's covered and what's excluded in your health insurance for pregnant women thoroughly. Make sure prenatal care, delivery, postnatal care and newborn coverage are all included. Understanding your maternity insurance coverage prevents surprises when you make claims later on.

Consider Newborn Coverage Limits

Check how much coverage your baby gets after birth under the maternity insurance policy. Some plans offer better newborn benefits than others including vaccinations and treatments. Ensure your baby's needs are properly covered from day one without additional costs.

Understand Waiting Period Terms

Know exactly how long you must wait before using maternity benefits on your policy. Different insurers offer different waiting periods ranging from one to two years. Plan your pregnancy timeline accordingly so you're eligible when you actually need the pregnancy health insurance coverage.

Look For Cashless Hospital Network

Choose pregnancy health insurance with good network hospitals in your city for cashless treatment. More network options mean easier access to quality hospitals without paying upfront. Cashless facility reduces stress during delivery when you shouldn't worry about arranging money quickly.

Key Takeaways

Every expecting parent dreams of a healthy pregnancy and a safe delivery for their baby.

However, medical costs for pregnancy and childbirth now range between ₹1.5-2.5 lakhs or even more in metro cities. Hospital bills, doctor fees, tests, medicines and delivery charges add up quickly. Without proper coverage, these expenses can drain your savings and create a financial burden during this precious time.

This is why maternity insurance is so important. It covers everything: prenatal checkups, delivery costs (both normal and C-section), hospital stays, medicines, tests and newborn care, including vaccinations. The maternity insurance policy also protects you against unexpected complications that may need extra medical care.

At IndusInd General Insurance (formerly Reliance General Insurance), we offer maternity insurance coverage as an add-on to health insurance plans for women aged 18-45 years. Our pregnancy insurance comes with flexible 1-2 year waiting periods, so plan early. You get coverage up to ₹2 lakhs plus tax benefits under Section 80D. With 0% GST from September 2025, our maternity health insurance is now more affordable.

Homepage Curated Plans Client Extension

Relevant Links for Health Insurance

Health Insurance Plans For Family

Health Insurance For Senior Citizens

Health Insurance

Health Insurance For Parents

Critical Illness Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Asset Publisher

4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

Health Insurance - Disclaimer

Homepage alternate CX

AI Content Summarizer

Asset Publisher

Frequently Asked Questions (FAQs)

What is the minimum waiting period for maternity insurance?

The minimum waiting period is 1 year for maternity insurance benefits. Some plans have 2-year waiting periods. This waiting time starts from when you buy pregnancy health insurance. Buy the policy at least 1-2 years before planning pregnancy to ensure full coverage is available when needed.

Is a C-section covered by insurance?

Yes, C-section delivery is fully covered. Maternity insurance includes both normal and caesarean deliveries. Coverage includes operation theatre charges, surgeon fees, anaesthesia costs, medicines and extended hospital stay. All medically necessary C-section expenses are covered under pregnancy health insurance without additional costs.

What are the documents required to purchase maternity insurance?

Basic documents needed include identity proof (Aadhaar/PAN card), birth certificate for age verification, address proof and passport-size photographs. Medical reports may be required in some cases. The application process for pregnancy health insurance is simple, with online document submission for quick policy issuance.

Can I buy maternity insurance if I am already pregnant?

No, maternity insurance cannot be purchased after pregnancy begins. Pregnancy health insurance must be bought before conception because of mandatory waiting periods. Plans have 1-2 year waiting periods before maternity insurance coverage activates. Always buy the policy early when planning a family.

Is it worth buying maternity insurance?

Yes, definitely worth it! Pregnancy costs ₹1.5-2.5 lakhs or more today. Without pregnancy health insurance, families pay all expenses from savings. Maternity insurance coverage includes doctor visits, tests, delivery, hospital stay and baby care. The policy protects your finances while ensuring quality healthcare for mother and child.

Is there any insurance for pregnancy?

Yes, pregnancy insurance exists as an add-on to health insurance plans. It covers all pregnancy expenses, doctor checkups, delivery, medicines, tests and the baby's care after birth. One plan covers both mother and baby throughout pregnancy and after delivery.

What is the minimum and maximum sum insured under maternity insurance?

Maternity insurance coverage ranges from ₹50,000 minimum to ₹2 lakhs maximum, depending on the plan chosen. A higher amount means more protection if complications happen or the hospital stay is longer. Pick the amount based on hospital costs in your city.