Fetal Flourish Qorus-NTT DATA Innovation in Insurance Awards 2026

Fetal Flourish was developed to address a significant gap in standard maternity insurance: protection for the unborn child during the prenatal period. Unlike conventional maternity plans that centre around delivery and postnatal care, this rider focuses on the health of the baby inside the womb, covering critical in-utero interventions.

The primary objective is to reduce financial barriers to advanced fetal health procedures, enabling early detection and treatment of fetal complications and ultimately improving both maternal and neonatal outcomes.

Reasons Behind

• Traditional health or maternity insurance often excludes or do not cover many prenatal procedures and fetal treatments. With rising awareness of fetal medicine and earlier interventions, Bajaj General saw a clear need for a product that protects the fetus as a distinct health entity during the most vulnerable stages of development.
  

State of Competition

• Although some insurers cover limited number of in-utero procedures, these are usually a part of traditional maternity plans. This makes Fetal Flourish one of the first insurance solutions to centre insurance benefits around fetal medical needs specifically.
  

Sources of Inspiration

• Insights from fetal-health specialists, growing adoption of fetal diagnostics, and unmet financial needs among parents expecting children inspired a product that aligns insurance with modern prenatal care practices.