Is The Government Doing Enough To Support Maternity Health In India?

Is The Government Doing Enough To Support Maternity Health In India?
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Maternity health is a critical aspect of healthcare that directly impacts not only the well-being of mothers but also the future of the nation. In India, where maternal health has been a concern for decades, the government has implemented various initiatives and policies to address the challenges that women face during pregnancy and childbirth. In this article, we will explore whether the government is doing enough to support maternity health in India, with a specific focus on maternity insurance and the Ayushman Bharat Yojana.

Government initiatives for maternity health

The government of India has implemented several programs and initiatives aimed at improving maternal health and reducing maternal mortality. Two significant initiatives in this regard are maternity insurance and the Ayushman Bharat Yojana.

Maternity insurance

Maternity insurance is an essential component of healthcare for expectant mothers. It provides coverage for medical expenses related to pregnancy, delivery, and postnatal care. While maternity insurance is not provided directly by the government, it plays a pivotal role in enhancing maternity health in India. Private insurance companies offer maternity insurance policies that can be purchased by individuals and families.

Key features of maternity insurance:

Pregnancy coverage: Maternity insurance typically covers expenses related to prenatal care, hospitalisation during delivery, and postnatal care.

Newborn baby coverage: Many maternity insurance policies also include coverage for the newborn baby’s medical expenses for a certain period after birth.

Choice of hospitals: Policyholders often have the flexibility to choose from a network of hospitals and healthcare providers, ensuring access to quality healthcare services.

Pre-existing conditions: Some maternity insurance policies may offer coverage for pre-existing conditions after a waiting period.

Customisation: Maternity insurance policies can be customised to suit the specific needs and budget of policyholders.

Ayushman Bharat Yojana

The Ayushman Bharat Yojana, also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), is a government-backed healthcare scheme launched in 2018. While its primary focus is on providing health insurance for economically vulnerable families, it also plays a role in supporting maternity health.

Key features of the Ayushman Bharat Yojana:

Coverage for maternity services: PMJAY includes coverage for maternity services, offering financial protection to pregnant women for hospitalisation and surgical expenses.

Cashless services: Beneficiaries of PMJAY can avail cashless hospitalisation services at empanelled hospitals for maternity-related treatments and procedures.

Large beneficiary base: PMJAY is one of the largest health insurance schemes globally, covering millions of families and providing access to healthcare services for various medical conditions, including maternity health.

Is the government doing enough for maternity health?

To assess whether the government is doing enough to support maternity health in India, it’s important to consider the strengths and limitations of the existing initiatives:


Maternity insurance: The availability of maternity insurance policies in the private sector offers women and families the opportunity to access quality healthcare services during pregnancy and childbirth.

Ayushman Bharat Yojana: PMJAY provides coverage for maternity services, offering financial support to economically vulnerable pregnant women.

Focus on vulnerable populations: Both maternity insurance and PMJAY target economically vulnerable populations, ensuring that those who are most in need receive support.

Reduction in maternal mortality: The initiatives have contributed to a reduction in maternal mortality by providing access to healthcare services and financial protection.

Enhanced choice: Maternity insurance policies and PMJAY allow individuals to choose from a network of healthcare providers, enhancing the quality of care and choice available to expectant mothers.


Limited awareness: Awareness about maternity insurance and PMJAY may be limited in certain regions, which can hinder women from accessing these benefits.

Gaps in coverage: While these initiatives have made significant strides, there may still be gaps in coverage, especially in remote and underserved areas.

Affordability: Affordability remains a concern for many families, as private maternity insurance policies may have premiums that are beyond their means.

Regional disparities: Disparities in healthcare access and quality continue to persist, with rural areas facing greater challenges in providing maternity health services.

Complex implementation: The implementation of these schemes can be complex and streamlining processes for beneficiaries is an ongoing challenge.

The way forward for maternity health

Maternal health in India has undoubtedly benefited from government initiatives such as maternity insurance and the Ayushman Bharat Yojana. However, there is still room for improvement and a need for ongoing efforts to enhance maternity health:

Awareness campaigns: To maximise the impact of maternity insurance and PMJAY, comprehensive awareness campaigns are essential to educate women and families about the benefits available to them.

Expansion of coverage: Efforts should be made to expand the coverage of maternity insurance and PMJAY to reach more women, especially in remote and underserved regions.

Affordability solutions: Exploring ways to make maternity insurance more affordable for low-income families can ensure that financial constraints do not prevent women from accessing necessary care.

Enhanced healthcare infrastructure: Investments in healthcare infrastructure, particularly in rural areas, can improve the quality and accessibility of maternity health services.

Streamlined implementation: Continuous efforts to streamline the implementation of these initiatives can make the process more efficient and user-friendly for beneficiaries.

The government has taken significant steps to support maternity health in India through initiatives like maternity insurance and the Ayushman Bharat Yojana. While these initiatives have made positive contributions to maternal health and reduced maternal mortality, there is still work to be done. Awareness, affordability, and accessibility are key areas that need continuous attention and improvement to ensure that every pregnant woman in India receives the care and support she deserves. Maternity health is not only a matter of personal well-being but also a reflection of a nation’s commitment to the health and future of its citizens.