Maternity Insurance



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What is a Maternity Health Insurance?

A Maternity Insurance is an add-on cover one can opt for in an Individual or Family Health Insurance, that covers for all maternity-related expenses.

Anyone with an existing or new Health Insurance plan can include this benefit for themselves or their spouse so that whenever the time arises, all your maternity expenses towards the delivery of a baby and/or treatment-related to any complications in the pregnancy or medically necessary termination can be covered and taken care of by us.

Additionally, the cover also compensates for expenses arising out of fertility issues and the newborn baby’s hospitalization charges due to any medical complications, and vaccination charges, up to 90 days from the date of delivery.

Because milestones like this don’t happen every other day.

Whether it’s your first or second time around, planning for the next big thing in life; the onset of parenthood and a new child underway can be one of the most beautiful yet challenging times of our lives. Excitement and nervousness. Uncertainty and restlessness. Anxiety and gratification. 

Whether you’re planning to start a family soon or, give your existing child a sibling to bond with, the phase of maternity, childbirth and everything that comes with it can often get stressful and we’re here to help you through just that. Well before time. After all, it’s always better to plan not only for the unplanned but, the planned too.

Read More

Maternity Expenses on the Rise in India

Maternity Costs
The average cost to deliver a baby in most urban cities lies is at least Rs 50,000 to Rs 70,000.
C Section
The cost of C-section deliveries is on a rise in India, with costs going up to 2 lakhs in many urban cities! 
Pregnancy Test
Most couples in India are apprehensive about parenthood due to the financial responsibilities that come with it.

What's great about Digit's Maternity Benefit Cover?

  • Covers for Child-Delivery Expenses: Covers for hospitalization charges for all pregnancy-related complications, labor and delivery and c-section operations.
  • Newborn Baby Cover Included: Our Maternity Benefit also includes a newborn baby cover, which means your baby will be covered for its first 90 days without any additional cost! This includes any medical issues and vaccinations as well. 
  • Infertility Expenses Covered: Our Maternity Benefit goes beyond just covering for child-delivery expenses. We also cover for infertility related treatments.
  • Medically Necessary Pregnancy Terminations Covered: Unfortunately, if you’re required to have a medically necessary pregnancy termination, your maternity benefit cover will have your back! 
  • 200% Sum Insured for Second Child: As a token of gratitude, we give you an increase of up to 200% in your Maternity Sum Insured for your second child. This is of course for those who’ve already used Digit’s Maternity Benefit for their first child too.

What's Covered in Health Insurance with Maternity Cover by Digit?

Delivery and Labor Expenses

Delivery and Labor Expenses

All medical expenses (up to the sum insured) incurred whilst delivering a baby, for up to two deliveries.

C-Section

C-Section

Caesarean section, also commonly known as C-Section is when doctors use surgery to deliver babies is also covered for under the maternity benefit cover. This is often opted for when a vaginal delivery is not recommended for the baby or the mother’s health and well-being.

Hospital and Room Rent

Hospital and Room Rent

All expenses incurred towards hospitalization and room rent charges during the delivery of the baby.

Infertility Treatment

Infertility Treatment

In case, you or your spouse are experiencing fertility problems and have opted for this cover, then we will cover you against expenses that arise from the respective infertility treatment.

Pregnancy Complications

Pregnancy Complications

Unfortunately, sometimes women do face complications during their pregnancy and this covers for just that. All expenses arising out of pregnancy-related complications will also be covered under the maternity benefit cover.

Medically Necessary Terminations

Medically Necessary Terminations

All medically necessary and lawful terminations are covered. Unlike child deliveries, there is no restriction to the number of terminations in this case.

Newborn Baby Cover

Newborn Baby Cover

The maternity benefit cover in an individual health insurance is not only limited to deliver of the baby but, also insures the new born baby for up to the first 90 days of their life. This means, any medical complications and required vaccinations too are covered under this.

What’s not Covered?

Expenses that arise due to harvesting and storage of stem cells when carried out as a preventive measure against possible future illnesses.

Medical expenses for ectopic pregnancy will be covered outside of the maternity benefit cover, I.e. claimed under hospitalization expenses of your individual health insurance policy.

Pre-natal and post-natal medical expenses, unless it leads to hospitalization.

How to file a Claim?

  • Cashless Claim - You can opt for this if you wish to get treated in one of our 5900+ Cashless Hospitals. You can find the complete list of network hospitals here. Display your e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
  • Reimbursement Claim - You can opt for a Reimbursement at any hospital of your choice. Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at healthclaims@godigit.com and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement.

Who can Benefit from a Maternity Cover?

One can benefit from the maternity add-on cover in their health insurance plan, if they meet with the following criteria:

If you had opted for the cover while buying your health insurance policy or have included it a later stage.

If you have completed the waiting period of 24 months. Only then can you claim and benefit from this maternity cover.

If you are married and are <40 years.

If you haven’t used the cover for more than two children already.

A Maternity Insurance is best for People

1
Newly married couples, who plan on starting a family at least in the next two to three years
2
Who are planning to get married soon and have a baby in the next two to three years
3
Who already have one kid, but are planning for the next child at least in the next two years
4
Who aren’t planning for a child anytime soon, but would like to still be safeguarded nonetheless.

What makes Maternity Benefit so Important for Young Couples?

Financial Security

Financial Security

Stay financially secure during one of the most important moments of your life. A maternity benefit cover in your health insurance will ensure you don’t need to spend much from your savings and will ensure you have a stress-free delivery and onset of parenthood.

Relaxing Onset to Parenthood

Relaxing Onset to Parenthood

A maternity benefit cover does not only cover expenses during delivery but, also covers your newborn baby up to its first 90 days (covering for any medical complications and required vaccinations), so you can relax, recover and relish the beginning of your new journey.

Valuable Longterm Benefits

Valuable Longterm Benefits

Get an increase of up to 200% for your second child. As part of our individual health insurance policy and maternity benefit cover, you can get up to 200% of the Sum Insured amount when you have your second child, given that you used the same maternity benefit for your first.

Cover Against Medically Necessary Terminations

Cover Against Medically Necessary Terminations

Have the option to medically terminate your pregnancy in case the need arises. The maternity benefit cover offered by us covers medically necessary and lawful terminations of pregnancies.

Peace of Mind

Peace of Mind

Peace of mind. Our babies are our bundle of joy and we don’t want to take that away from you by stressing you about the expenses. We’ve got you covered.

Know more about Health Insurance with Maternity Cover

FAQs about Maternity Insurance