Pune, 15 January 2026: Bajaj General Insurance Limited (formerly known as Bajaj Allianz General Insurance Company Limited), one of India’s leading private general insurers, today unveiled ‘Fetal Flourish’, a pioneering insurance rider crafted exclusively for fetal health. This unique solution extends financial support for advanced in-utero procedures and high-risk pregnancies, an area that has long remained outside the scope of conventional maternity insurance. The rider is offered along with their flagship products, “My Health Care Plan” and “Health Guard”.
Fetal Flourish brings medical expertise and insurance design together to address a critical need in prenatal care. While maternity products traditionally focus on delivery and postnatal treatment, this rider centres on the protection of the unborn child during the most delicate phase, inside the womb.
Addressing a growing need in maternal and fetal care
As per reports, with about 17% of women in India giving birth after the age of 35, pregnancy-related complexities are increasing. At the same time, procedures such as amniocentesis, fetal reduction, fetoscopic laser surgery, and intrauterine transfusions have become essential for managing high-risk cases. Until now, families often bore the full cost of these interventions due to the absence of a dedicated insurance product.
Speaking about the launch, Dr. Tapan Singhel, MD & CEO, Bajaj General Insurance, said, “Pregnancy is a deeply personal journey for every family, shaped by hope, anticipation, and the desire to do what is best for the child. When medical complexities arise, families face difficult decisions at a very early stage. Advances in fetal care have made it possible to intervene sooner, but the financial strain can add to an already challenging experience. With the Fetal Flourish rider, we have tried to ease this burden by supporting essential procedures, so parents can focus on treatment and outcomes rather than costs. This offering reflects our belief that care, and protection should begin at the very earliest stage of life.”
Coverage highlights
- Up to INR 2 lakh sum insured per maternity event (first two events)
- Coverage available for two maternity events under the base Health Indemnity Policy
- Nine-month waiting period from policy inception
- Eligibility: women aged 18 to 45 years
List of 16 covered procedures:
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 TTTS, 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.
A step forward for India’s maternal care ecosystem
Fetal Flourish brings a new dimension to prenatal care by integrating insurance with modern fetal treatment practices. It offers focused coverage for specialised in-utero procedures that are increasingly shaping clinical management of high-risk pregnancies. With this launch, Bajaj General Insurance strengthens its commitment to innovation and care, extending protection to one of the earliest and most sensitive stages of life.
