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Health Insurance
Maternity Health Insurance Plan
Key Features
This Time, Prioritise Your Health
Coverage Highlights
Comprehensive coverage for a worry-free tomorrow
Choose from Best of Plans
Choose from multiple plans to meet your requirements
Wide Sum Insured Options
Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore
Unlimited Reinstatement Benefit & Recharge
Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
Preventive Health Check-Up
Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan
Online Discount
Get flat 5% discount when you buy a policy on our website or our Bajaj General App
Zone Discount
Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live
Fitness Discount & Wellness Discount
Avail up to 12.5% wellness discount for healthy habits on renewal
Note
Please read policy wording for detailed terms and conditions
Inclusions
What’s covered?In-Patient Hospitalisation Treatment
Offers comprehensive in-patient hospitalisation cover for your planned surgery or an unexpected illness to help you focus on your recovery not on your expenses
Hospital Room Coverage
Covers the cost of standard air-conditioned room ensuring you get the best care in a comfortable setting
ICU Cover
Covers your critical care expenses while ensuring you receive the best treatment without any financial burden
Pre-Hospitalisation Medical Expenses
Provides coverage for medical expenses for 30 days leading up to your hospital stay, ensuring you're prepared for the unexpected
Post-Hospitalisation Medical Expenses
Covers your post-hospitalisation medical expenses, including follow-up treatments and consultations, for up to 60 days after discharge
Day Care Treatment
Ensures that through advanced procedures you get back on your feet in less than 24 hours
Organ donor expenses
Offers coverage for organ transplant as per the policy terms, supporting the costs involved in the treatment
AYUSH Hospitalisation Cover
Coverage for ayurvedic, yoga, Unani, Siddha, and homoeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury
Road Ambulance
Covers emergency ambulance services to ensure you get swift and safe transport to the nearest medical facility
Domiciliary Hospitalisation
Ensures you receive the necessary medical care in the comfort of your home
Modern Treatment Methods and Advancement in Technologies
Covers modern treatments, like robotic surgeries and stem cell therapy, ensuring you have access to the latest medical advancements
Floater & Individual Sum Insured
Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan
Note
Please read policy wording for detailed inclusions
Exclusions
What’s not covered?Investigation & Evaluation
Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded even if the same requires confinement at a hospital
Cosmetic or Plastic Surgery
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an accident, burn(s) or cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured are not covered
Hazardous or Adventure sports
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing, scuba diving, hand gliding, sky diving, and deep-sea diving, are not covered
Dietary Supplements & Substances
Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances is not covered
Treatment for Self-Inflicted Acts
Medical expenses incurred as a result of self-harm, illegal actions, hazardous activities, etc. are not covered
Refractive Error
Expenses related to the treatment for correction of eyesight due to refractive error less than 7.5 dioptres are excluded
Unproven Treatments
Expenses related to any unproven treatment, services, and supplies in connection with any procedures or supplies that lack significant medical documentation to support their effectiveness stay uncovered
Sterility and Infertility
Expenses related to sterility and infertility, including any contraception, sterilisation and advanced reproductive technologies (such as IVF, ZIFT, GIFT, and ICSI), gestational surrogacy and reversal of sterilisation are not covered
Note
Please read policy wording for detailed exclusions
Additional Covers/Optional Covers
What else can you get?Sum Insured Reinstatement
Choose one-time or unlimited reinstatements each policy year for tailored, continuous protection
Procedure-wise/Disease-wise Sublimit
Unlock your full sum insured for key procedures and diseases (with no limitations on critical care)
Super Cumulative Bonus
Choose from three flexible growth options that match your health goals, get sum insured raised up to 200% as per the policy terms
No Claim Discount
Get accumulated bonus (Cumulative Bonus/Super Cumulative Bonus) with an immediate 1.5% discount on your next Premium payment at renewal
Cashless Discount
Enjoy a 5% discount on your premium by choosing cashless claims at our network hospitals for no upfront payments. Reimbursement claims will require a 20% co-pay.
Accidental Death Shield
Get financial protection for your loved ones, ensuring they're cared for even when you can't be there due to personal accident
Health Prime Rider
Get coverage for in-person or online doctor consultation, dental wellness, emotional wellness, diet & nutrition consultations as per the chosen plan
Your Complete Guide to Pregnancy Insurance Coverage
Parenthood is one of life's most precious experiences, especially for women. During pregnancy, the female body undergoes significant physical and hormonal changes that impact overall well-being. While becoming a parent brings immense joy, it also comes with substantial financial responsibilities, particularly regarding medical expenses.
Bajaj General maternity insurance provides comprehensive coverage to ensure expectant mothers receive the best care without financial stress. This guide covers everything about maternity health insurance plans, helping you make informed decisions for your family's health and financial security.
What is Maternity Health Insurance?
Maternity insurance is specialized coverage that handles all expenses related to pregnancy and childbirth for expecting mothers and newborns. You can purchase pregnancy insurance as:
- - Standalone maternity insurance policy
- - Add-on coverage to existing family health insurance
- - Rider benefits under comprehensive health plans
- - Group insurance coverage through employers
Why Choose Bajaj General Maternity Insurance?
Modern medical treatments for pregnancy and childbirth are expensive and can strain your finances. Maternity insurance with newborn coverage ensures:
✅ Access to premium medical facilities for mother and baby
✅ Coverage for unexpected complications during pregnancy
✅ Professional fees covered - gynecologists, anesthetists, pediatricians
✅ Comprehensive prenatal and postnatal care
✅ Newborn coverage from 90 days after birth
Key Features of Best Maternity Insurance Plans in India
When selecting maternity health insurance plans, look for these essential features:
1. Comprehensive Pregnancy Coverage
- - Prenatal care and regular checkups
- - Normal and cesarean delivery costs
- - Postnatal care for mother and baby
- - Maternity insurance with newborn coverage up to specified periods
2. Medical Tests and Medications
- - Routine pregnancy screenings and ultrasounds
- - Prescribed medications and supplements
- - Laboratory tests and diagnostic procedures
3. Cashless Hospitalization
- - Direct billing at network hospitals
- - No upfront payment requirements
- - Streamlined claim processing
4. No-Claim Bonus Benefits
- - Enhanced coverage for claim-free periods
- - Increased sum assured over time
- - Additional benefits for loyal policyholders
Benefits of Maternity Health Insurance Plans
Pregnancy insurance offers significant advantages:
Financial Protection
- - Reduces medical expense burden
- - Covers unexpected complications
- - Protects family savings for child's future
Quality Healthcare Access
- - Premium medical facilities
- - Specialist consultations
- - Advanced medical procedures
Comprehensive Support
- - Complete pregnancy journey coverage
- - Prenatal to postnatal care
- - Newborn insurance coverage included
Key Factors for Choosing Best Maternity Insurance Plans in India
Coverage Scope
Evaluate maternity insurance for:
- - Health checkup facilities
- - Pregnancy-related medical tests
- - Hospitalization during delivery
- - Emergency complication coverage
Pregnancy Insurance Waiting Period
Pregnancy insurance waiting period typically ranges from 9 months to 4 years. Key considerations:
- - Plan early before conception
- - Compare waiting periods across insurers
- - Understand policy activation timelines
Policy Terms and Conditions
- - Read all clauses carefully
- - Understand exclusions and limitations
- - Compare features across multiple plans
Claims Process Efficiency
- - Simple documentation requirements
- - Quick claim settlement
- - Dedicated customer support
Does Regular Health Insurance Cover Pregnancy?
Most standard health insurance plans don't include comprehensive maternity coverage. Coverage availability depends on:
- - Insurer policies and product types
- - Top-up health insurance plans may include maternity benefits
- - Add-on riders for pregnancy coverage
- - Limited coverage amounts (₹15,000 normal delivery, ₹25,000 cesarean)
Bajaj General maternity insurance provides dedicated, comprehensive coverage beyond standard health insurance limitations.
Eligibility for Maternity Insurance Plans
Age Requirements
- - Women aged 18-45 years typically eligible
- - Specific criteria vary by insurer
- - Review individual policy requirements
Health Conditions
- - Medical screening may be required
- - Pre-existing conditions may affect eligibility
- - Honest disclosure essential for coverage
Understanding Pregnancy Insurance Waiting Period
Pregnancy insurance waiting period is crucial for planning:
Typical Waiting Periods
- - 9 months to 4 years depending on policy
- - Plan well in advance of conception
- - Early purchase recommended for timely coverage
Benefits of Early Purchase
- - Ensures coverage when needed
- - Avoids last-minute exclusions
- - Better premium rates for younger ages
What's Covered in Maternity Insurance?
Prenatal and Postnatal Care
- - Regular medical checkups
- - Ultrasounds and monitoring
- - Prescribed medications
- - 30 days pre-delivery and 30-60 days post-delivery coverage
Delivery Costs
- - Normal delivery expenses
- - Cesarean section costs
- - Hospital room charges
- - Medical professional fees
Newborn Baby Coverage
- - Maternity insurance with newborn coverage includes:
- Congenital disease treatment
- Necessary vaccinations
- Special care requirements up to 90 days
Emergency Complications
- - Unexpected pregnancy complications
- - Emergency medical procedures
- - Intensive care requirements
What's Not Covered in Pregnancy Insurance?
Pre-existing Health Conditions
- - Conditions affecting pregnancy safety
- - Subject to insurer's terms and conditions
Infertility Treatments
- - Fertility enhancement procedures
- - IVF and related treatments typically excluded
Congenital Diseases
- - Inherited medical conditions
- - Pre-birth developmental issues
Non-prescribed Medications
- - Self-administered vitamins and supplements
- - Non-doctor prescribed treatments
Tax Benefits of Maternity Insurance
Bajaj General maternity insurance offers valuable tax advantages:
Section 80D Benefits
- - ₹25,000 annual deduction for individuals under 60
- - ₹50,000 deduction for senior citizens
- - Additional deductions for parents' coverage
- - Smart financial planning with health protection
How Maternity Health Insurance Secures Mother and Child
Complete Prenatal Care
- - Regular doctor consultations
- - Essential medical tests and screenings
- - Nutritional support and medications
Delivery Coverage
- - Natural and cesarean delivery costs
- - Specialist medical equipment
- - Professional medical team fees
Newborn Protection
- - 90-day newborn coverage
- - Congenital condition treatment
- - Special medical care requirements
Vaccination Coverage
- - Immunization costs up to 1 year
- - Essential vaccines: polio, measles, tetanus, whooping cough, hepatitis, diphtheria
Choosing the Best Maternity Insurance Plans in India
Compare Multiple Plans
- - Coverage benefits comparison
- - Premium rates analysis
- - Pregnancy insurance waiting period evaluation
- - Exclusion clauses review
Network Hospital Coverage
- - Wide hospital network availability
- - Preferred delivery locations included
- - Cashless facility access
Sub-limit Understanding
- - Normal delivery coverage limits
- - Cesarean delivery sub-limits
- - Overall coverage maximums
Additional Benefits
- - Vaccination coverage
- - Congenital disease treatment
- - Comprehensive newborn care
How to Claim Maternity Insurance
Pre-authorization Process
- - Inform insurer about delivery date
- - Provide hospital details in advance
- - Obtain pre-approval for cashless treatment
Documentation Requirements
- - Discharge summary
- - Medical bills and receipts
- - Completed claim forms
- - Doctor's certificates
Cashless Claims
- - Network hospital selection
- - Pre-authorization approval
- - Direct billing arrangement
Reimbursement Claims
- - Upfront payment at non-network hospitals
- - Document submission to insurer
- - Reimbursement processing
When to Purchase Maternity Insurance?
Optimal Timing
- - Before planning pregnancy
- - Early in marriage for future planning
- - At least 9 months before conception
Benefits of Early Purchase
- - Complete waiting period fulfillment
- - Lower premium rates at younger age
- - Guaranteed coverage when needed
Maternity Insurance Premium Calculator Factors
Maternity insurance premium calculator considers:
Personal Factors
- - Age of policyholder
- - Sum assured amount
- - Coverage details selected
- - Medical history
Policy Features
- - Waiting period duration
- - Network hospital access
- - Additional benefits included
- - Claim settlement ratio
Benefits You Deserve
Region-Specific Premiums
Avail fair and local pricing for premiums as per the healthcare cost of 16 diffe
Walk to Win
Enjoy up to 10% discount on policy renewal by completing regular step goals
Super Cumulative Bonus
Get your Sum Insured raised by up to 50% every year up to 200% of Sum Insured
Download Policy Documents
Get instant access to policy details with a single click
Why Insure Your Health with Bajaj General?
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Step-by-Step Guide
To help you navigate your insurance journey
How to Buy
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1
Visit Bajaj General website
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2
Enter personal details
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3
Compare health insurance plans
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4
Select suitable coverage
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Check discounts & offers
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Add optional benefits
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Proceed to secure payment
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Receive instant policy confirmation
How to Renew
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Login to the app
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Enter your current policy details
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3
Review and update coverage if required
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Check for renewal offers
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5
Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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1
Notify Bajaj General about the claim using app
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Submit all the required documents
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Choose cashless or reimbursement mode for your claim
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Avail treatment and share required bills
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Receive claim settlement after approval
How to Port
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1
Check eligibility for porting
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Compare new policy benefits
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Apply before your current policy expires
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Provide details of your existing policy
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Undergo risk assessment by Bajaj General
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6
Receive approval from Bajaj General
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Pay the premium for your new policy
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8
Receive policy documents & coverage details
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Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
What Our Customers Say
Excellent Service
Bajaj General provides excellent service with user-friendly platform that is simple to understand. Thanks to the team for serving customers with dedication and ensuring a seamless experience.
Amagond Vittappa Arakeri
Mumbai
27th Jul 2020
Swift Claim Settlement
I am extremely happy and satisfied with my claim settlement, which was approved within just two days—even in these challenging times of COVID-19.
Ashish Jhunjhunwala
Vadodara
27th Jul 2020
Quick Service
The speed at which my insurance copy was delivered during the lockdown was truly commendable. Hats off to the Bajaj General team for their efficiency and commitment!
Sunita M Ahooja
Delhi
3rd Apr 2020
Outstanding Support
Excellent services during COVID-19 for your mediclaim cashless customers. You guys are COVID warriors, helping patients settle claims digitally during these challenging times.
Arun Sekhsaria
Mumbai
27th Jul 2020
Seamless Renewal Experience
I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much!
Vikram Anil Kumar
Delhi
27th Jul 2020
Quick Claim Settlement
Good claim settlement service even during the lockdown. That’s why I sell Bajaj General Health Policy to as many customers as possible.
Prithbi Singh Miyan
Mumbai
27th Jul 2020
FAQ's
Is maternity insurance worth it?
Yes, maternity insurance is definitely worth it. It offers comprehensive financial protection for expectant mothers by covering prenatal, delivery, and postnatal expenses. With rising healthcare costs, this coverage ensures quality care without burdening your finances. It also includes newborn benefits, offering peace of mind throughout the maternity journey.
What is the minimum waiting period for maternity insurance?
Bajaj General Insurance Limited's Health Guard Policy has a waiting period of 6 years for maternity insurance. This means benefits are accessible only after the waiting period ends. Planning ahead and buying early ensures you are financially prepared when you actually need the coverage.
Can we claim 2 insurances for maternity?
Yes, you can claim maternity benefits from two insurance policies if both policies offer maternity coverage. In such cases, one policy will be the primary and the other the secondary payer. It’s essential to inform both insurers and provide all necessary documents to avoid claim-related complications.
Are maternity insurance plans with no waiting period available?
Most maternity insurance plans offered by Bajaj General Insurance Limited have a waiting period, making no-waiting-period options extremely rare. If such a policy is available, it usually comes at a higher premium. To bypass waiting period concerns, it’s advisable to purchase a maternity insurance policy well in advance, ideally during family planning.
Is third childbirth covered under maternity insurance plans?
Coverage for a third childbirth is not covered by Bajaj General Insurance Limited’s Health Guard Policy. They pay all expenses only for two children per policy.
What should I consider before buying a maternity insurance policy?
Before buying a maternity insurance policy, consider the waiting period, premium amount, covered and excluded treatments, hospital network, and whether newborn and vaccination costs are included. Assess your personal and family planning goals to ensure the policy you choose aligns with your medical and financial requirements.
What happens if a child is born with any complications?
If a newborn experiences complications, most maternity insurance plans provide coverage for congenital disorders or neonatal intensive care up to 90 days from birth. However, coverage specifics vary by plan. Ensure the policy includes newborn coverage and check the terms for congenital and critical illness treatments for babies.
Is there any maternity insurance without a waiting period?
No, most maternity insurance plans have a waiting period ranging from 9 months to 4 years.
Is third childbirth covered under maternity insurance plans?
Yes, depending on the insurer, some plans cover up to the third childbirth.
What should I consider before buying a maternity insurance policy?
Check waiting periods, coverage limits, exclusions, and premium costs. Ensure it meets your specific needs and budget.
Is it good to take maternity insurance?
Yes, it provides financial security for pregnancy and childbirth expenses, offering peace of mind during this crucial time.
What type of insurance is best for pregnancy?
The best health insurance for maternity should offer comprehensive coverage that encompasses prenatal, delivery, and postnatal care, ensuring both mother and newborn receive the necessary medical attention. Essential features include health insurance for pregnant women that covers routine checkups, doctor consultations, diagnostic tests, and medications required throughout pregnancy. Additionally, a reliable maternity policy covers newborn care, including treatments for congenital conditions and vaccinations. A reasonable waiting period and sufficient sub-limits are also important, as these ensure the policy is practical and accessible. Bajaj General Insurance Limited's maternity insurance provides these benefits, making it an ideal choice.
What is the minimum waiting period for maternity insurance?
The waiting period for maternity insurance plans varies by provider, generally ranging from 9 months to 4 years. A shorter waiting period means quicker access to benefits, which is crucial for families planning a pregnancy in the near term. Bajaj General Insurance Limited offers competitive waiting periods that balance accessibility and comprehensive coverage, making it easier for families to plan their healthcare needs in advance. This flexibility helps policyholders avoid delays in maternity coverage and ensures that families can benefit from the policy’s comprehensive support when needed, alleviating financial stress associated with childbirth expenses.
Is a C-section covered by insurance?
Yes, most maternity insurance policies cover both normal and cesarean (C-section) deliveries. A C-section typically incurs higher costs due to its surgical nature, but health insurance for pregnancy from Bajaj General Insurance Limited offers financial protection for both delivery methods. Coverage may be subject to sub-limits, with certain plans setting different caps for normal versus cesarean deliveries. By covering C-section costs, Bajaj General Insurance Limited ensures that expectant mothers can receive the necessary medical care, whether planned or emergency, without worrying about the financial burden. This support provides peace of mind for families during childbirth.
How to buy Bajaj General maternity insurance?
- Compare plans online using our platform
- Select suitable coverage based on needs
- Apply directly through Bajaj General website
- Complete documentation for policy activation
What's the sum assured range for pregnancy insurance?
Maternity insurance sum assured typically ranges from ₹50,000 to ₹5,00,000, depending on the insurer and selected plan type.
Does maternity insurance cover newborns?
Yes, best maternity insurance plans in India include newborn coverage. Coverage extent and duration vary by policy terms and conditions.
What's the typical pregnancy insurance waiting period?
Pregnancy insurance waiting period varies from 12 months to 72 months depending on the specific product and insurer policies.
Ready to secure your pregnancy journey?
Explore Bajaj General maternity insurance plans today and ensure comprehensive coverage for you and your baby's health needs.
Standard T&C apply. Insurance is the subject matter of solicitation. For complete details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
Can you get maternity insurance if already pregnant?
Most insurers don't provide pregnancy insurance for already pregnant women, as pregnancy becomes a pre-existing condition. Purchase maternity insurance well before conception.
How to buy Bajaj General maternity insurance?
- Compare plans online using our platform
- Select suitable coverage based on needs
- Apply directly through Bajaj General website
- Complete documentation for policy activation
What's the sum assured range for pregnancy insurance?
Maternity insurance sum assured typically ranges from ₹50,000 to ₹5,00,000, depending on the insurer and selected plan type.
Does maternity insurance cover newborns?
Yes, best maternity insurance plans in India include newborn coverage. Coverage extent and duration vary by policy terms and conditions.
What's the typical pregnancy insurance waiting period?
Pregnancy insurance waiting period varies from 12 months to 72 months depending on the specific product and insurer policies.
Why is medical insurance necessary for your health?
Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.
How many dependent members can I add to my family health insurance plans?
You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.
Why should you compare health insurance plans online?
Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.
Why should you never delay the health insurance premium?
Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.
How to get a physical copy of your Bajaj General Insurance Limited?
Request a physical copy from the insurer or take a printout of the digital policy document received via email.
Is there a time limit to claim health cover plans?
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.
What exactly are pre-existing conditions in an Individual Health Insurance?
Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.
How is the insurer going to pay my hospital bills?
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).
Are there any tax advantages to purchasing Individual Health Insurance?
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).
Why should I need Personal Medical Insurance?
Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.
How do I go about renewing health insurance plans?
Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.
How is the health insurance renewal premium calculated?
We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.
Can I renew my expired health insurance policy?
Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj General, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo
Can I renew health insurance online?
Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.
Will I be able to transfer my health insurance policy from another providers ?
Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.
Why juggle policies when one app can do it all?
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With GST waiver, individual and family floater policies for health, personal accident, and travel insurance (on retail basis) are 18% cheaper from 22 September 2025. Secure what matters at an affordable price!
