Bajaj General Insurance Limited has introduced Fetal Flourish, a new fetal health insurance rider aimed at helping expectant parents manage the rising costs 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 along with the insurer’s flagship health plans, My Health Care Plan and Health Guard. Designed to go beyond traditional maternity insurance, Fetal Flourish focuses on protecting the unborn child during pregnancy, particularly 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 that are often excluded from standard policies. These include amniocentesis, chorionic villus sampling, percutaneous umbilical blood sampling, fetal tissue biopsy, amnioinfusion and 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 indicating that around 17% of women in India now give birth after the age of 35, pregnancy-related complications and out-of-pocket expenses are increasing.
Commenting on the launch, Dr. Tapan Singhel, MD and CEO of Bajaj General Insurance, said the rider is intended to ease financial stress during medically complex pregnancies, allowing families to focus on care and outcomes rather than costs.
