No other feelings can be as satisfying as the feeling experienced from motherhood. The joy is unparalleled when you see your baby for the first time. But the heavy expenses due to incur during maternity takes away some of the fun. Hence, to keep your happiness intact, many maternity insurance policies have been introduced in India with benefits to cover any unanticipated medical treatments and maternity covers. They help reimburse medical costs like visiting OB-GYN and hospital stays and other expenses relating to the new born baby.

Features of Maternity Health Insurance Policy

Most of the maternity health insurance policies include the following features:

• Maternity benefits like hospitalization expenses, baby delivery charges etc.

• New born coverage, pre and post natal coverage, vaccinations and post care expenses

• Expenses for maximum of two deliveries

• Sub limits depends on the health cover considered

• No pre hospitalization period expenses, consultation fees and tests

Today, we are up with the best compilation of the top Maternity Health Insurance Policy offered in India. Have a look:

1. Star Health Wedding Gift Insurance Plan

Star Health Wedding Gift Insurance Plan is one of the premium maternity health insurance plans offered in India. It is available to couples between 18 years and 40 years. However, they impose a waiting period of 36 months covering the expenses.

The policy covers areas such as:

• room, nursing and boarding expenses,

• doctor, consultants, surgeon, anesthetist and specialist expenses,

• emergency ambulance expenses covered

• medical and nursing care expenses few weeks before pregnancy and about six weeks after pregnancy,

• medicines and drugs expenses covered,

• new born baby congenital diseases covered

However the important exclusions include: 48 months waiting period for pre-existing diseases; cataract, hysterectomy, fibroid, inter-vertebral disc prolapsed etc for first 2 years; Naturopathy treatments; Cosmetic treatments; hernia, piles, fissure, sinusitis, nasal polyps etc. for first year.

2. Apollo Munich’s Easy Health

Apollo Munich’s Easy Health is another best medical health insurance plan for maternity in India. It covers maternity benefit in both individual and family plans. For individual plans the waiting period normally is 6 years before maternity and for family it is 4 years before maternity.

The policy covers areas such as:

• hospital room accommodation expenses,

• diagnostic procedures, operation theatre, anesthesia, blood, oxygen, medicines, prosthetics etc. expenses covered,

• expenses of organ donor during transplant,

• daily cash for accompanying an insured child,

• x-ray, chemotherapy, radiotherapy, operation of cataract or tonsils, etc. expenses covered,

• pre-hospitalization and post-hospitalization expenses covered

However the important exclusions include: HIV, AIDS and related diseases; Non-allopathic treatment, congenital diseases, mental disorder; cosmetic surgery; Abuse of drugs, alcohol, hallucinogens, intoxicant; Hospitalization due to war; 2 years waiting period for hernia, hysterectomy etc.

3. Max Bupa’s Heartbeat Plan

Max Bupa’s Heartbeat Plan is another top insurance plan covering maternity benefits in India. However, you will need to wait for 2 years to enjoy the maternity health insurance benefit by Max Bupa. You need to be enrolled in the family floater option too.

The policy covers areas such as:

• vaccination expenses up to the first year of the child,

• pre or post hospitalization medical expenses covered,

• daily cash for accompanying an insured child,

• x-ray, chemotherapy, radiotherapy, operation of cataract or tonsils, etc. expenses covered,

• emergency ambulance expenses covered,

• medicines and drugs expenses covered

However the important exclusions include: Naturopathy treatments; Cosmetic treatments; Non-allopathic treatment, congenital diseases, mental disorder; Abuse of drugs, alcohol, hallucinogens, intoxicant; Hospitalization due to war etc.