We understand your happiness when you hear the good news from the doctors, especially when you are expecting a baby. It is a new phase of life, which can be financially challenging for people in urban areas. At this stage, the medical care for both the newborn baby and mother is unavoidable, and you may incur huge expenses.
To manage such high medical costs, it is every bit advisable for a couple to have the best maternity health insurance plan. Basically, maternity insurance cover is a type of add-on cover, which can be added to your existing health insurance plan. It offers different types of benefits to maternity-related expenses.
Considering the high medical cost, it is mandatory to have maternity coverage under health insurance plan females. Insurance companies, in general, do not provide maternity coverage under any health insurance plan.
Health insurance plans are meant to cover unanticipated risks, whereas pregnancy is planned and not considered as a risk. There is no plan available in the market that solely covers maternity expenses. You can avail this coverage with your existing health insurance or group health insurance plan with a maximum cover of Rs. 50,000.
Check out some top health insurance plans with maternity cover below:
It is found that late pregnancy gives birth to a number of complications that may incur additional expenses unexpectedly. To meet the financial need at such a crucial time, it is beneficial to have a health insurance plan that covers maternity expenses too.
Before buying any health insurance policy with maternity coverage, make sure you read the policy wording carefully and compare health insurance policies online. For working women, it is advised to check the benefits and coverage offered by the group health insurance plan provided by their employers. For further assistance, you can take help from an insurance agent or broker.
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