Maternity Insurance

Have stress-free childbirth with a maternity insurance plan

What is a Maternity Insurance Plan?

Maternity health insurance helps deal with exuberant medical expenses related to pregnancy and childbirth. Maternity insurance covers the expenses in normal and critical deliveries up to the sum insured under a particular policy term. You can opt for a maternity insurance policy as an add-on benefit along with any regular health insurance plan. It covers everything – starting from the newborn’s immediate vaccinations and medical expenses to the pre and post-hospitalisation expenses.

If you are planning to buy the best maternity insurance plan, Navi health insurance is your destination. Navi offers a comprehensive maternity insurance plan with which you can sign up for the best insurance policy for your maternity period. With a network of over 10,000 hospitals, Navi offers you the best way to enjoy your pregnancy stress-free.

Features & Benefits of Maternity Insurance Policy

Features & Benefits of Maternity Insurance Policy

Navi boasts more than 10,000 network hospitals The benefit of which is that you can opt for cashless claims. Meaning, our maternity insurance policy will take care of all the expenses; you don’t have to pay from your own pocket.
There is absolutely no need for paperwork. Just download the Navi app on your phone and sign up.
For every claim-free year, you will get rewarded with a cumulative or no claim bonus. For instance, if you don’t file any maternity claim for a year or more, then a percentage of the insured amount will get carried forward to the next policy year.
Navi’s maternity insurance policy provides an additional sum insured to cover the in-patient treatment in case of injuries due to a road traffic accident.
Get automatic restoration of up to 100% of the base amount insured in a policy year.
Get adequate cover for your maternity period, starting from ₹2 lakh. You also have the option to pay your premiums in EMIs at as low a cost as ₹235 per month.
A unique benefit comes your way exclusively for you! Get an additional discount of 5% on your premium at the time of the renewal of the policy if you walk 4,000 average steps for consecutive 250 days.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Maternity Health Insurance Policy

A maternity insurance policy safeguards and protects you from incurring huge expenses during and after your pregnancy. Here’s why you should sign up for a maternity health insurance policy:

Offers Financial Security

Would-be parents get financial security by signing up for a health insurance plan with maternity benefits. It covers the cost of both normal and caesarean deliveries.

Tax Benefits

If you have a maternity insurance policy, then you can also enjoy tax benefits of up to ₹25,000 under section 80D of the Income Tax Act, 1961.

Covers Private Hospital Bills

With medical expenses going through the roof, deliveries, be it normal or caesarean, can cost new parents inordinate amounts of money in the case of private hospitals. In that case, having maternity insurance is a blessing.

Covers Pre and Post-Hospitalisation Expenses

Maternity insurance covers the prenatal, postpartum and delivery healthcare expenses. It includes pre and post-hospitalisation costs as well. These may include medical practitioner's fees, rent of the room, cost of medicine and other expenses. Navi’s pregnancy insurance plans cover lawful medical termination of pregnancy in case of untoward incidents.

Covers Newborn

Health insurance with maternity benefits covers the newborn since the date it is born. The insurer takes care of the vaccination and medication costs for up to 2 deliveries.

Covers Private Hospital Bills

With medical expenses going through the roof, deliveries, be it normal or caesarean, can cost new parents inordinate amounts of money in the case of private hospitals. In that case, having maternity insurance is a blessing.

Takes Care of Unforeseen Expenses

Pregnancy might involve various complications. Be it emergency neonatal care or necessary medically assisted pregnancy termination, the charges incurred may make a hole in your pocket. If you have insurance that covers pregnancy, then the insurance company takes care of all these expenses.

How to Buy a Maternity Health Insurance Plan

Navi health insurance is your one-stop destination where you can get maximum benefits with affordable premiums. Just download the Navi app and sign up.

Buy a Navi maternity insurance plan by following these simple steps:

Download the Navi app from Play Store or App Store
Navi’s insurance advisor will ask a few questions
Get an instant quote based on your personal and health details
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

How to Buy a Maternity Health Insurance Plan

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Maternity Health Insurance Plan

How to File Claim for Maternity Health Insurance Plan

There are two ways of filing a maternity health insurance claim; cashless and reimbursement. The process to claim maternity health insurance for both these categories is explained below:
  1. Select your admittance date
  2. Visit the nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all your medical documents on the Navi app
  3. Track the claim status through the claims tracker
  4. Get notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

No, India is still awaiting the availability of maternity insurance plans with no waiting period. The minimum waiting period is 9 months in case of maternity insurance and it can go up to 2 years or more depending on the insurance company. You need to keep in mind that the expenses incurred during the waiting period won’t be covered by the policy.
No, you cannot get a maternity insurance policy if you are already pregnant. The maternity insurance plans come with a compulsory waiting period, during which time you cannot avail yourself of the benefits of the policy. This is because pregnancy is considered a pre-existing condition and thus not covered by maternity insurance policy.
Yes, it is advisable to purchase maternity health insurance. It covers the medical expenses incurred at the time of pregnancy, including prenatal and postpartum costs related to your pregnancy and your newborn as well. You can buy a pregnancy insurance plan even if you are not married but are planning to get married in the future.

You must check and consider the following things before opting for a maternity insurance plan:

  • The waiting period for maternity insurance.
  • The number of newborns covered.
  • Coverage for the newborn.
  • Coverage for medically necessary termination.
  • Eligibility criteria.
  • Additional benefits, if any.
This depends upon the maternity benefit plan you are opting for. Generally, a maternity insurance plan provides coverage for two living children, but few plans cover expenses of third childbirth as well. It covers the expenses incurred in the deliveries of the babies and post-delivery expenditures including newborn baby benefits.

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