Is Maternity Covered Under ICICI Lombard - Health Shield 360 Policy? Here's How to Check

Planning a family or starting IVF? Know what your policy pays for before you commit. This is a straight breakdown of maternity and IVF coverage under ICICI Lombard - Health Shield 360 Policy — waiting periods, exclusions, and the costs involved.

Know Your Policy

Key Questions on Maternity and IVF Coverage

These are the questions most people ask about Maternity coverage:

Does ICICI Lombard - Health Shield 360 Policy cover maternity?
Does ICICI Lombard - Health Shield 360 Policy pay for IVF treatment?
Is there a maternity plan that comes with no waiting period?
Do maternity or IVF claims carry a co-payment clause?
What exactly is included — labour, delivery, IVF cycles, and complications?
Which exclusions apply, such as pre-existing conditions or outpatient care?
Are C-sections and IVF-related surgeries paid for?
Does the policy reimburse newborn vaccinations?
Is your child covered from day 1, or only after 90 days of birth?
Can a woman already pregnant buy a maternity policy based on her trimester?
Must both spouses be on the same plan for a pregnancy-related claim to go through?
Can maternity cover be added to an existing policy for a small extra annual premium?

How to Confirm Whether Maternity Is Covered in Your ICICI Lombard - Health Shield 360 Policy

Brochures rarely spell out whether maternity or IVF is fully covered, and the detail sits in the fine print. Here's a practical way to read your ICICI Lombard - Health Shield 360 Policy:

Search the document for terms like “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, and “Pregnancy Complications”.
Check the waiting periods: maternity and IVF often carry 9-48 month waits, even when the benefit exists.
Note the exclusions: IVF costs, outpatient treatments, and pre-existing pregnancy are frequently left out.
Confirm whether newborn cover starts only after 90 days, which is common.
Read the sub-limits and co-pay clauses: delivery may be capped (e.g., ₹50,000) or carry a 10-20% co-pay.
Check whether both spouses must be on the same policy to access maternity benefits.
Factor in the trimester: if you're already pregnant, a maternity add-on may be refused based on your current trimester.
Some plans let you add maternity cover for a small extra premium. Check whether ICICI Lombard - Health Shield 360 Policy offers that option.

Maternity Costs and Financial Impact

Maternity Can Be Expensive — Here's What to Budget For

Routine check-ups during pregnancy are manageable. The larger bills come from:

IVF costs: ₹40,000 - ₹2,00,000 per cycle
Maternity hospitalization: ₹30,000 - ₹50,000 for delivery
C-sections or complications: ₹60,000 - ₹1,50,000
ICU costs for maternity complications: ₹18,000–₹30,000 per day

Check how your policy's limits apply to these figures and plan around them.

What Happens When You File a Maternity Claim?

Knowing the Benefit Exists Isn't Enough

Here are real situations expectant parents and IVF patients have run into:

Case 1: My maternity claim was denied because my husband and I had not both served the full waiting period.
Case 2: IVF was covered under my policy, but only 50% of the cost was reimbursed. The rest was capped by a sub-limit.
Case 3: My policy paid for the delivery but not the IVF treatment that led up to it. I didn't realise IVF sat outside the standard maternity benefit.
Case 4: My newborn's vaccinations weren't reimbursed because they were treated as outpatient care.
Case 5: My wife was already 6 months pregnant, and no insurer would issue a maternity policy at that trimester.

Knowing exactly what ICICI Lombard - Health Shield 360 Policy covers — and what it doesn't — is what keeps this from happening to you.