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Maternity Insurance Soars 180% in 2025
28 Nov
Summary
- Maternity insurance surged 150-180% in 2025, driven by first-time buyers.
- Tier 2 and 3 cities fueled over half of health plan adoptions.
- OPD add-ons show strong utilization, especially for recurring needs.
Maternity insurance coverage has seen an unprecedented rise of 150-180% in 2025, emerging as a primary gateway to health insurance for many young families. The surge is largely attributed to escalating delivery and antenatal care costs. This trend highlights a significant shift towards consumption-based health insurance, with outpatient department (OPD) covers also gaining popularity due to recurring medical needs.
Consumption-led benefits, including maternity and OPD, are increasingly popular, with Tier 2 and 3 cities accounting for approximately 55-60% of all purchases. More than 80% of maternity benefits were opted for as add-ons, signaling a preference for customizable coverage. Health Wallets, offering prepaid and usage-based features, are also seeing initial adoption among financially mindful households.
This evolution signifies a move towards a consumption-first era in India's health insurance market. Experts anticipate continued growth in maternity covers as a means to attract new buyers and a rapid expansion of Health Wallet models, aligning with consumer preferences for managing healthcare expenses.
