Best Family Health Insurance Plans with Maternity Cover in India
If you’re planning a family or expecting a child, a family floater health insurance plan with maternity benefits is essential. These plans cover the entire family (self, spouse, children, sometimes parents) under one sum insured, including hospitalization for normal/C-section deliveries, pre/post-natal care, newborn baby expenses (from day 1 or after notification), vaccinations, and sometimes complications.
Key points:
- Maternity is usually an inbuilt feature or add-on/rider (not available in all base plans).
- Waiting periods range from 9 months to 4 years — buy early to avoid delays.
- Coverage limits: ₹30,000–₹1 lakh+ per delivery (up to 2 deliveries/terminations lifetime).
- Newborn cover: Often included, with automatic addition after birth (notify insurer within 30–90 days).
- Tax benefits: Premiums deductible under Section 80D (up to ₹25,000/₹50,000 for self/family/seniors).
- Average costs: For a family of 2 adults + 1 child (₹5–10 lakh sum insured), premiums start ₹15,000–₹40,000/year, varying by age, city (e.g., Delhi), and add-ons.
Maternity rarely has zero waiting period; shortest is ~9 months–2 years in select plans.
Top Recommended Family Floater Plans with Maternity Cover (2026)
Based on latest comparisons (Policybazaar, Ditto, insurer sites), claim settlement ratios (99%+ for top players), network hospitals (4,000+), and features:
- Aditya Birla Activ Fit Preferred / Activ Health Platinum Enhanced
- Maternity: Up to 2 deliveries; Normal: ₹40,000–₹75,000; C-Section: ₹60,000–₹1 lakh (after 3–4 years waiting).
- Newborn: Pre/post-natal, vaccinations, stem cell preservation (within limits).
- Standout: Unlimited restoration of sum insured, no sub-limits, wellness rewards.
- Best for: Comprehensive coverage with health perks.
- Niva Bupa Health Premia / Aspire (Titanium+/Gold+ variants)
- Maternity: ₹25,000–₹75,000+ (delivery, complications); some variants from 9 months–2 years waiting.
- Newborn: Treatments, vaccinations, first-year care.
- Standout: Miracle benefit (surrogacy/adoption/ART in some), international coverage in premium variants.
- Best for: Shorter waiting + family-first options.
- ICICI Lombard Elevate
- Maternity: Up to ₹1 lakh (10% of base SI); rider/add-on, 2 years waiting (reducible to 1 year).
- Newborn: Up to 2x maternity limit, vaccinations (up to ₹10,000).
- Standout: Surrogacy/oocyte donor cover (up to ₹5 lakh in add-ons).
- Best for: High limits & flexibility.
- Star Health Assure / Women Care
- Maternity: ₹50,000–₹1 lakh (after 2 years).
- Newborn: Hospitalization, congenital issues, vaccinations, pediatric care.
- Standout: Strong for women-specific needs, assisted reproduction in some.
- Best for: Affordable + good network.
Other strong options: Tata AIG Medicare Premier (up to ₹60,000 after 4 years, global cover), HDFC ERGO (Parenthood add-on up to ₹2 lakh), Care Health (Joy Maternity variant).
Quick Comparison Table (Indicative for Family of 3, ₹5–10 Lakh SI)
| Plan | Approx. Annual Premium | Waiting Period (Maternity) | Maternity Cover (Normal/C-Section) | Newborn Cover | Key Standout Feature |
|---|---|---|---|---|---|
| Aditya Birla Activ Fit Preferred | ₹20,000–₹40,000 | 3–4 years | ₹40k–₹75k / ₹60k–₹1L | Yes + vaccinations + stem cell | Unlimited restoration, wellness rewards |
| Niva Bupa Aspire / Health Premia | ₹25,000–₹50,000 | 9 months–2 years | ₹25k–₹75k+ | Yes + first-year care | Miracle benefit, short waiting |
| ICICI Lombard Elevate | ₹30,000–₹60,000 | 2 years (reducible) | Up to ₹1L | Up to 2x limit + vaccinations | Surrogacy cover, high flexibility |
| Star Health Assure | ₹18,000–₹35,000 | 2 years | ₹50k–₹1L | Yes + congenital/vaccinations | Affordable, women-focused |
*Premiums are estimates (Delhi/New Delhi, 30–35 age group, 2026 data); actuals vary — get quotes online. Women often get better rates.
Final Recommendation
For most families planning pregnancy soon, choose Niva Bupa Aspire/Health Premia (shorter waiting) or Aditya Birla Activ Fit Preferred (excellent overall perks). If budget is key, go with Star Health Assure.
Pro Tip: Compare personalized quotes on Policybazaar, insurer sites, or aggregators — takes minutes! Buy early (ideally 2–4 years before planning), disclose pre-existing conditions, and add maternity rider if not inbuilt. Always read policy wordings for exclusions (e.g., IVF often limited). Secure your family’s health today — maternity costs in private hospitals can easily exceed ₹1–2 lakh! Share your age/family details for more tailored suggestions.
