{"id":12900,"date":"2025-06-05T23:51:31","date_gmt":"2025-06-05T18:21:31","guid":{"rendered":"https:\/\/www.tickertape.in\/blog\/?p=12900"},"modified":"2025-06-05T23:51:34","modified_gmt":"2025-06-05T18:21:34","slug":"maternity-insurance","status":"publish","type":"post","link":"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/","title":{"rendered":"Top Maternity Insurance With Low Waiting Periods"},"content":{"rendered":"\n<p>Parenthood is one of the most joyous phases of one&#8217;s life, and it is crucial to shield yourself to welcome this new phase financially. For this purpose, maternity health insurance plans are a go-to secure method for many couples and families. In this article, let&#8217;s understand maternity insurance, its waiting period, what is covered in maternity insurance and what&#8217;s not, and a list of maternity insurance for first-time mothers with a low waiting period.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#What-is-Maternity-Insurance\" title=\"What is Maternity Insurance?\">What is Maternity Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#What-is-the-Waiting-Period-for-Maternity-Insurance\" title=\"What is the Waiting Period for Maternity Insurance?\">What is the Waiting Period for Maternity Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#List-of-Maternity-Insurance-with-a-Low-Waiting-Period\" title=\"List of Maternity Insurance with a Low Waiting Period\">List of Maternity Insurance with a Low Waiting Period<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#Details-of-Top-3-Maternity-Insurance-Plans\" title=\"Details of Top 3 Maternity Insurance Plans\">Details of Top 3 Maternity Insurance Plans<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#Care-Joy-Maternity-Insurance-Plan\" title=\"Care Joy Maternity Insurance Plan\">Care Joy Maternity Insurance Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#SBI-Arogya-Premier-Policy\" title=\"SBI Arogya Premier Policy\">SBI Arogya Premier Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#Bharti-AXA-Smart-Super-Health-Insurance\" title=\"Bharti AXA Smart Super Health Insurance\">Bharti AXA Smart Super Health Insurance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#Whats-Covered-and-Whats-Not-Covered\" title=\"What&#8217;s Covered and What&#8217;s Not Covered\">What&#8217;s Covered and What&#8217;s Not Covered<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#To-Conclude\" title=\"To Conclude\">To Conclude<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#Frequently-Asked-Questions-About-Maternity-Insurance\" title=\"Frequently Asked Questions About Maternity Insurance\">Frequently Asked Questions About Maternity Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#1-Can-you-have-two-separate-insurance-plans-for-pregnancy\" title=\"1. Can you have two separate insurance plans for pregnancy?\">1. Can you have two separate insurance plans for pregnancy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#2-Can-the-waiting-period-be-reduced\" title=\"2. Can the waiting period be reduced?\">2. Can the waiting period be reduced?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tickertape.in\/blog\/maternity-insurance\/#3-Do-maternity-insurance-policies-cover-third-pregnancies\" title=\"3. Do maternity insurance policies cover third pregnancies?\">3. Do maternity insurance policies cover third pregnancies?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-Maternity-Insurance\"><\/span>What is Maternity Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Managing the finances while planning a baby can be a bit tricky. Under such circumstances, maternity insurance can come in handy. As the name suggests, maternity insurance is a type of health insurance policy that offers coverage for all pregnancy-related expenses. Some of the common aspects covered in maternity insurance are:<\/p>\n\n\n\n<ul>\n<li>Pre and post-natal expenses<\/li>\n\n\n\n<li>Newborn baby expenses<\/li>\n\n\n\n<li>The cost of normal and C-section delivery costs<\/li>\n<\/ul>\n\n\n\n<p>Further, some corporates offer maternity insurance with immediate coverage along with health insurance policies to their employees. All the insurance plans and maternity insurance coverage for pregnancy come with a waiting period. Let&#8217;s understand what that is.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-the-Waiting-Period-for-Maternity-Insurance\"><\/span>What is the Waiting Period for Maternity Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A waiting period is a vital factor to consider when buying a maternity insurance India plan. The period refers to a time that must pass before one can avail of the full benefits of the coverage provided. The waiting period for a maternity health insurance policy varies from 9 months to 24 months, depending upon the plan. You can only claim the policy once the waiting period is over, as the claim is not admissible during the waiting period.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"List-of-Maternity-Insurance-with-a-Low-Waiting-Period\"><\/span>List of Maternity Insurance with a Low Waiting Period<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Name of the plan<\/strong><\/td><td><strong>Waiting period<\/strong><\/td><\/tr><tr><td>Care Joy Maternity Insurance Plan<\/td><td>9 months<\/td><\/tr><tr><td>SBI Arogya Premier Policy<\/td><td>9 months<\/td><\/tr><tr><td>Bharti AXA Smart Super Health Insurance<\/td><td>9 months<\/td><\/tr><tr><td>Digit Health Care Plus Policy<\/td><td>24 months<\/td><\/tr><tr><td>Liberty HealthPrime Connect Plan<\/td><td>24 months<\/td><\/tr><tr><td>Niva Bupa Heartbeat Insurance Plan<\/td><td>24 months<\/td><\/tr><tr><td>Aditya Birla Activ Health Enhanced Plan<\/td><td>24 to 36 months<\/td><\/tr><tr><td>Bajaj Allianz Health Guard Plan<\/td><td>24 to 48 months<\/td><\/tr><tr><td>Royal Sundaram Lifeline Health Insurance Plan<\/td><td>36 to 48 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Details-of-Top-3-Maternity-Insurance-Plans\"><\/span>Details of Top 3 Maternity Insurance Plans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Care-Joy-Maternity-Insurance-Plan\"><\/span>Care Joy Maternity Insurance Plan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Joy plan offered by Care Insurance is a comprehensive health insurance policy specifically designed to provide coverage for maternity expenses. It covers a wide range of services, including hospitalisation expenses, delivery expenses, newborn baby care, pre and post-natal expenses, and ambulance cover. The minimum entry age is 18 yrs and above, and the maximum age is 45 yrs. The sum insured will be reinstated for a non-related illness once a year if the original sum insured gets exhausted in a year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SBI-Arogya-Premier-Policy\"><\/span>SBI Arogya Premier Policy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is a comprehensive health insurance plan designed to provide extensive coverage for medical expenses. It includes maternity coverage with a waiting period of 9 months. The policy also covers pre and post-hospitalisation expenses, ambulance charges, daycare treatments, room charges, and more. In this plan, there is no pre-policy medical test up to the age of 55 yrs for people with no medical history. Further, a cumulative bonus is also provided where your bonus increases by 10% of the sum insured for each consecutive claim-free year. This bonus can accumulate over time up to a maximum of 50% of the sum insured.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bharti-AXA-Smart-Super-Health-Insurance\"><\/span>Bharti AXA Smart Super Health Insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It is a comprehensive health insurance plan that provides coverage for maternity with an additional fee. The plan can be purchased for individuals and family floater basis, covering individuals aged 91 days to 65 yrs. The Bharti AXA Smart Super Health Insurance includes coverage for newborns and offers a sum insured ranging from Rs. 5 lakh to Rs. 1 cr. The plan includes various features like no capping on room rent, daycare treatment expenses, emergency ambulance charges, and more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Whats-Covered-and-Whats-Not-Covered\"><\/span>What&#8217;s Covered and What&#8217;s Not Covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A maternity plan includes the below-mentioned coverage:<\/p>\n\n\n\n<ul>\n<li>Delivery and labour expenses<\/li>\n\n\n\n<li>C-section delivery<\/li>\n\n\n\n<li>In-patient hospitalisation expenses<\/li>\n\n\n\n<li>Pre-natal care expenses<\/li>\n\n\n\n<li>Post-natal expenses<\/li>\n\n\n\n<li>Newborn baby expenses<\/li>\n\n\n\n<li>Baby&#8217;s vaccination expenses<\/li>\n\n\n\n<li>Pregnancy complications<\/li>\n\n\n\n<li>Stem cell preservation<\/li>\n\n\n\n<li>Medically necessary terminations expenses<\/li>\n<\/ul>\n\n\n\n<p>Below-mentioned expenses are not included in the maternity or pregnancy insurance plans\u2019 coverage:<\/p>\n\n\n\n<ul>\n<li>Pre-existing diseases within the 48-month waiting period<\/li>\n\n\n\n<li>Illnesses\/diseases contracted during the first 30 days<\/li>\n\n\n\n<li>Non-allopathic treatment costs<\/li>\n\n\n\n<li>Expenses of pre-hospitalisation\u00a0<\/li>\n\n\n\n<li>Expenses of post-hospitalisation\u00a0<\/li>\n\n\n\n<li>Ectopic pregnancy<\/li>\n\n\n\n<li>IVF treatment<\/li>\n\n\n\n<li>Regular check-up<\/li>\n\n\n\n<li>Surrogacy<\/li>\n\n\n\n<li>Hospital cash benefit<\/li>\n<\/ul>\n\n\n\n<p>Remember the inclusions and exclusions of coverage in a maternity insurance with lowest waiting period and maternity insurance with no waiting periods depend entirely on the plan you choose.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To-Conclude\"><\/span>To Conclude<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Maternity insurance is one of the best investments one can make if they are planning to start a family. Based on your future plan, budget, coverage requirements and premium, select a plan that suits your needs. It is always worthwhile to consult a financial advisor before deciding to buy any plan. It&#8217;s the next crucial step of your life; plan it wisely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-About-Maternity-Insurance\"><\/span>Frequently Asked Questions About Maternity Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1685631568835\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"1-Can-you-have-two-separate-insurance-plans-for-pregnancy\"><\/span><strong>1. Can you have two separate insurance plans for pregnancy?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, it is possible to have two separate insurance plans that cover pregnancy. However, it&#8217;s important to keep in mind that having two insurance plans doesn&#8217;t necessarily mean you&#8217;ll receive double the coverage. Review the terms carefully to understand the coverage, coordination benefits, limitations, or exclusions. Moreover, in such a case, you&#8217;ll need to coordinate with both insurers so that they are aware of each other&#8217;s coverage and not being overcharged\/double-billed for any expense.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1685631615613\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"2-Can-the-waiting-period-be-reduced\"><\/span><strong><strong>2. Can the waiting period be reduced?<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, it is not possible to reduce the maternity insurance waiting period of a maternity insurance with reduced waiting periods. However, you can plan the pregnancy well in advance with a low waiting period plan or a maternity insurance with zero waiting period that suits you the best.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1685631621315\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"3-Do-maternity-insurance-policies-cover-third-pregnancies\"><\/span><strong><strong>3. Do maternity insurance policies cover third pregnancies?<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>In India, most maternity coverage plans only include two children who are still living. But, there are some maternity cover insurance plans which include maternity coverage for the insured&#8217;s third child.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Maternity insurance in India comes with a waiting period. Learn more about this crucial factor in your maternity insurance.<\/p>\n","protected":false},"author":90,"featured_media":12901,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[1737,1721],"tags":[],"acf":[],"modified_by":"Aishika Banerjee","jetpack_featured_media_url":"https:\/\/www.tickertape.in\/blog\/wp-content\/uploads\/2023\/06\/08-1.png?wsr","_links":{"self":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/12900"}],"collection":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/users\/90"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/comments?post=12900"}],"version-history":[{"count":3,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/12900\/revisions"}],"predecessor-version":[{"id":17201,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/12900\/revisions\/17201"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/media\/12901"}],"wp:attachment":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/media?parent=12900"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/categories?post=12900"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/tags?post=12900"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}