Pregnancy is a beautiful and joyous journey, a journey that is full of emotions. Imagine the idea of creating a new life, the happiness of holding the little one in your arms. Well, this feeling is surely beyond any description.
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The pregnancy also brings in the fear of rising expenses and the uncertainty of the future. Yes, the happiness of motherhood is a different thing; however, the shadow of medical expenses will also be lurking in the background. A pregnant woman always requires medical care and attention. Right from the monthly tests to the baby getting delivered, the hospital expenses and bills will simply keep piling up. Moreover, the pre and post-delivery care is an expensive deal that can at times become a burden for the expecting parents. Therefore, it is advised and the viable solution to this is to avail maternity insurance.
The maternity insurance is one plan that is designed to cover for maternity and health care expenses for the expecting mothers and the newborns. Mostly the maternity benefit is offered as an additional rider benefit or add-on with the existing health insurance policy.
In case you have an existing health insurance policy, then you can opt for this add-on cover in an individual or family health plans that will cover all the maternity-related expenses. The maternity benefit cover will also compensate for the expenses incurred due to issues of fertility or due to any other sort of medical complications.
The maternity benefit is sometimes provided by the corporate for the female employees under the group health insurance policy. However, the coverage provided within the maternity benefit also has a sub-limit that would not be sufficient to pay for the complete expenses of pregnancy. Therefore, a complete pregnancy health insurance package is going to be an ideal option.
Well, undoubtedly rearing a child is not an easy task and is going to be an expensive affair. Therefore, it becomes important to have the well-constructed maternity insurance plan in place so that you can enjoy the priceless phase of life with your family without much stress. A good maternity plan will enable in easing off the rising expenses of child care. Listed below are some aspects highlighting the importance of availing a good maternity insurance plan in India:
The phase of maternity is one crucial journey not just for mother but for the complete family. Quality maternity care is important as it ensures the safe delivery of the child and health of both the newborn and the mother.
When buying a maternity insurance plan, make sure that you are aware of all the important terms and conditions. Besides, other important aspects include the additional benefits, standard exclusions, sub-limits, waiting period, and so forth.
Moreover, you can also avail the basic health insurance policy with sufficient coverage for pre and post-hospitalization including maternity, OPD, etc. Likewise, you can also include a top-up plan with the basic health insurance plan. Some plans also cover critical illness within a health cover, in case the plan doesn’t then it is advisable to buy a standalone critical illness insurance plan as well.
Regardless of whether it is the first or second child, the journey of parenthood brings along with excitement, restlessness, nervousness, gratification and anxiety. Make sure that you have the best maternity insurance plan in place, after all, it is better not only to plan for the unplanned but even the planned as well.
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