Many health insurance plans have family floater plans which cover maternity and newborn child care during pre and post natal period. However, such plans have a waiting period from two to four years which means the maternity coverage will start only after this waiting period is completed. Some of the family floater plans which cover maternity are as follows:

Max Bupa Heartbeat Plan
Apollo Munich Easy Health Floater Exclusive
Star Health Comprehensive /Star Wedding Gift

The premium would range from 10000 to 13000 for a sum assured of R5 Lakh.

Online health plans have a few advantages over the traditional offline plans. Online plans are cheaper as compared to buying it from an agent, mainly because they eliminate commission and save on administration cost. However, you should use online plans if you are able to compare the features of more than one plan and their premiums to make the right decision. You may compare a few policies using an online distributor and then contact the company directly to find out the details of the selected plan. This will help you evaluate all the options and take an informed decision.