Maternity Coverage in Pregnancy Health Insurance

Maternity Coverage in Pregnancy Health Insurance

As a mother, pregnancy is a magical journey for families. But with the happiness of motherhood also come the anxieties of childbirth and bringing up a child.


Most of it has to do with the rising cost of health care during and after pregnancy. It can pose both an emotional and financial challenge if unprepared. 

To relieve the journey of pregnancy and the complications that may arise during it, most health insurance companies provide a maternity cover.

What is a maternity cover in health insurance?

A maternity cover is a type of coverage that guarantees the expenses associated with pregnancy and childbirth.

Somebody can get it on a standalone basis or as an optional add-on to cover the needs of expecting mothers and new-borns.

The reach of coverage depends on the type of cover and the insurance company. 

This coverage is normally provided after a waiting period of 1-4 years, so it is proper to get a maternity cover in advance.

What You Should Know About Maternity Insurance Plans.

  1. Mandated maternity coverage: Maternity care coverage is mandated on plans that suit to Affordable Care Act (ACA) standards. If you choose an employer group health plan or a plan through the Health Insurance Marketplace, you will have maternity coverage. Plans purchased thru the marketplace must include coverage for birth control and breastfeeding.
  2. Medicaid: Pregnant women with low income can qualify for Medicaid. They provides free or low-cost health coverage to those who qualify.
  3. CHIP: If you don’t qualify for Medicaid, you may qualify for the Children’s Health Insurance Plan (CHIP).

To get a maternity cover suited to your needs, you can compare the health insurance policies offered by different insurance companies. 

With pregnancy-related costs rising with each passing day, it's advisable to not delay buying one. Some important tips while buying Health Insurance plans with Maternity Benefits.

Watch our video about what is a maternity cover in health insurance below.


Now, you can plan out your maternity expenses also under your health insurance plan. 

Pregnancy brings a lot of joy and pleasure, but pregnancy and parenthood is tense and these plans can offer your some financial support and peace of mind.

Coverage plans will pay most of your pregnancy related expenses. But it's the best to know what coverages are offered so that you don’t have any surprises.

  • Most plans will have a waiting period in years before the maternity benefits can be availed. Be sure to check this period in your plan.
  • Maternity cover may be offered only till a certain age, say till 45 years.
  • Payouts are different for normal and C section deliveries.
  • Only expenses which are incurred during childbirth are covered.
  • New-born are also covered in some plans from Day 1.
  • While pre and post natal expenses are covered by some plans, the total amount you can claim in a single delivery is limited.
  • The total expenses covered under maternity is limited based on the plan variant which you select.

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