Maternity Rider

Maternity Rider – Product Highlights

Enhance your health insurance coverage with the Maternity Rider, designed to provide financial protection for maternity-related medical expenses and support you during one of life's most important milestones.

Key Benefits

• Coverage for medical expenses incurred towards childbirth, including Normal Delivery and Caesarean (C-Section) Delivery.
• Coverage for medical expenses related to the lawful Medical Termination of Pregnancy (MTP).

Eligibility Criteria

• Available for any female insured person covered under the base health insurance policy.

Waiting Period

Coverage under the rider becomes available after completion of the applicable waiting period from the inception of the rider.

• Sum Insured up to ₹15 Lakhs: 36 months waiting period.
• Sum Insured of ₹25 Lakhs and above: 12 months waiting period.

Coverage Limits

• For Sum Insured up to ₹15 Lakhs: Maximum benefit up to 10% of the average Sum Insured of the preceding three years per delivery or medical termination.
• For Sum Insured of ₹25 Lakhs and above: Fixed benefit limits of ₹2 Lakhs or ₹3 Lakhs, depending on the Sum Insured selected.

Important Notes

• Coverage is restricted to the birth of the first two living children.
• This rider is an optional add-on and cannot be purchased as a standalone policy.
• The rider must be renewed along with the base health insurance policy.

Applicable Products

• New India Mediclaim
• New India Floater Mediclaim
• Young India Digi Health
• Arogya Sanjeevani Policy
• New India Asha Kiran

UIN Number: NIAHLIA25065V022425