Buy a maternity-linked plan to cover unknown risks

It may not offer enough cover for all costs of delivery but will protect against unforeseen issues

Having a baby entails considerable expense, and having a good maternity insurance cover might help meet these. Unfortunately, there aren’t many standalone maternity covers. They usually come as in-built features within health insurance plans and are designed to provide financial assistance during both normal and caesarean deliveries.

Depending on where you live, the type of hospital and the room category you choose, a normal delivery can cost between Rs 25,000 and Rs 1.5 lakh in a metro city. For a caesarean or cases in which complications arise, costs can go higher. 

What is covered: Most maternity plans cover only the