New ‘Fetal Flourish’ rider from Bajaj General Insurance offers early protection for unborn babies at ₹1,025

Bajaj General Insurance Limited has launched Fetal Flourish, a first-of-its-kind fetal health insurance rider aimed at helping expectant parents manage the cost of advanced in-utero medical care. Announced in Pune on January 14, the rider is priced at an affordable premium of ₹1,025 and is offered with the insurer’s flagship health plans, My Health Care Plan and Health Guard.

Unlike traditional maternity policies that focus mainly on delivery and postnatal care, Fetal Flourish is designed to protect the unborn child during pregnancy, especially in high-risk cases. The rider is available for women aged 18 to 45 years and comes with a nine-month waiting period from policy inception. It offers coverage of up to ₹2 lakh per maternity event for the first two maternity events under the base health indemnity policy.

The rider covers 16 specialised in-utero procedures, including amniocentesis, chorionic villus sampling, percutaneous umbilical blood sampling, fetal tissue biopsy, amnioinfusion, amnio-reduction, thoracoamniotic shunt for fetal pleural effusion, fetoscopy, fetoscopic laser surgery for twin-to-twin transfusion syndrome, fetal reduction, surgeries for neural tube defects, fetal cystoscopic surgery, FETO for congenital diaphragmatic hernia, amniotic band syndrome surgery, fetal aortic valvuloplasty, and intrauterine transfusion.

With reports showing that around 17% of women in India give birth after the age of 35, pregnancy-related complications are becoming more common.

Commenting on the launch, Dr. Tapan Singhel, MD and CEO of Bajaj General Insurance, said the rider aims to ease financial stress during difficult pregnancies so families can focus on treatment and outcomes.