How maternity insurance works?
Most health insurance policies have an additional clause that allows individuals to cover maternity expenses. Many corporate companies provide it as a benefit for their married women employees because an individual maternity insurance policy is more valuable and reliable than a joint coverage policy.
The coverage generally includes hospitalization for up to 30 days, room charges, operation procedure expenses, consultation fee and associated medical expenses. Each company provides a different solution and this top 5 maternity insurance policies in India should match the requirement of most people.
Star Health Pregnancy Cover
Max Bupa Heartbeat Family Floater
Royal Sundaram Total Health Plus
Total Health Plusis a complete solution from Royal Sundaram. However, the maximum sum availed is less compared to other policies at Rs. 50,000. While it covers every expense, the policy can be availed only after three years since inception and is an ideal choice only for planned pregnancy.
Cigna TTK ProHealth Plus
Cigna TTK ProHealth Plus is a reliable policy which has a couple of benefits including vaccination cover and up to Rs. 25,000 for caesarian delivery. The policyoffers coverage up to Rs. 10 lakhs but can be availed only after two years.