Planning a child is an emotional and financial milestone. As the cost of childbirth and related medical expenses continues to rise, having a dedicated maternity health insurance plan is no longer optional—it’s essential.
In their video, Ditto Insurance breaks down the best maternity health insurance plans in India for 2025—evaluating them on waiting periods, coverage, premium, and added benefits. If you’re planning to grow your family in the next few years, this comparison is your perfect guide.
Best 5 Maternity Health Insurance Plans in 2025
1. Niva Bupa – Aspire Plan
- Waiting Period: Just 9 months
- Coverage: ₹1 lakh to ₹3 lakh for maternity expenses
- Unique Benefits: Newborn coverage, vaccinations, IVF coverage included
- Why it stands out: Lowest waiting period among all, ideal for couples planning a child soon
Ditto’s Verdict: Perfect for couples expecting a baby in the next year.
2. Care Insurance – Joy Today Plan
- Waiting Period: 9 months
- Coverage: ₹50,000 to ₹1 lakh for maternity + newborn
- Unique Benefits: Covers both normal and C-section delivery
- Why it stands out: Affordable plan focused entirely on maternity
Ditto’s Verdict: Great short-term maternity-focused plan, but not comprehensive long-term coverage.
3. Aditya Birla Activ Fit Plan
- Waiting Period: 24 months
- Coverage: ₹50,000 to ₹1 lakh
- Unique Benefits: Includes fitness reward points and wellness benefits
- Why it stands out: Tailored for active, health-conscious couples
Subscribe to : dittoinsurance
Ditto’s Verdict: A balanced option with wellness and maternity included.
4. HDFC ERGO – My Health Suraksha Plan
- Waiting Period: 36 months
- Coverage: ₹50,000 to ₹75,000
- Unique Benefits: High claim settlement ratio, newborn cover, daycare procedures
- Why it stands out: Backed by HDFC’s trust and strong hospital network
Ditto’s Verdict: Ideal for long-term planners who want solid coverage beyond maternity.
5. Star Health – Comprehensive Plan
- Waiting Period: 36 months
- Coverage: ₹30,000 to ₹50,000
- Unique Benefits: Covers pre- and post-natal expenses, newborn baby up to 90 days
- Why it stands out: One of India’s most widely accepted health plans
Ditto’s Verdict: Good option if you already have Star Health and want to include maternity.
Final Takeaway
According to Ditto Insurance, choosing the right maternity health insurance in 2025 depends on your timeline and medical needs:
- Planning within 9 months? Go with Niva Bupa Aspire or Care Joy Today.
- Planning 2–3 years later? Consider Aditya Birla Activ Fit, HDFC ERGO, or Star Comprehensive.
- Always check waiting periods, coverage for newborns, and hospital network availability.
Investing in maternity insurance is a wise step toward financial and medical preparedness. It protects you from sudden hospital bills and ensures stress-free planning for your growing family.
For more guidance on insurance, health cover, and smart personal finance, visit Investment Marg. For related lifestyle, parenting, and financial tips, check out InkSpireDaily.
FAQs:
Q1. What is the ideal waiting period for maternity health insurance?
The shorter, the better. Plans like Niva Bupa Aspire and Care Joy have just 9 months waiting periods—ideal if you’re planning soon.
Q2. Can I buy maternity insurance during pregnancy?
No. Most insurers don’t allow buying or claiming maternity insurance after conception. Buy at least 9–12 months before planning.
Q3. Is newborn baby coverage included in these plans?
Yes. Most top plans include newborn coverage from day 1 or for up to 90 days after birth.
Q4. Do these policies cover IVF or fertility treatments?
Niva Bupa Aspire includes IVF coverage. Others may not. Always check the policy wording or confirm with the insurer.
Q5. Are C-section and normal deliveries both covered?
Yes. All these plans typically cover both types of deliveries, but always verify sum insured limits.
Credits to: dittoinsurance
About The Author
