Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹315/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹315/month*
Get ₹5 Lac Health Insurance starts @ ₹315/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Is Cesarean Delivery Covered Under Health Insurance Plans?

Having a child and starting a family is an important milestone in everyone’s life. For the mother a child brings an emotional responsibility while for a father the associated financial responsibility is a major concern.

Parenthood changes every parent’s priorities and while the child’s responsibility is shared between the husband and the wife, the expenses related to the child are usually the responsibility of the husband. At today’s age when expenses are inflating at an unending pace, meeting such costs is increasingly becoming difficult.

Upbringing of a child is expensive and so are the expenses involved in childbirth. While a normal delivery may cost less, a Cesarean delivery rakes up the hospital bills and if you do not have a health insurance plan to pay for your bills, such costs would wipe out your savings in a jiffy.

 

What if we tell you that some health insurance plans cover maternity expenses maternity expenses under their coverage options? Under such maternity coverage, both normal as well as cesarean deliveries are covered.

As per the latest numbers, a Cesarean delivery is more common and the preferred child-birth procedure and such deliveries are expensive ranging from Rs.30, 000 to Rs.1 lakh. Having your health insurance cover for the Cesarean delivery would be a relief to you in terms of finances. Though some health plans cover Cesarean deliveries, there are certain points which should be kept in mind.

  • A compulsory waiting period – Every health plan which covers maternity expenses would cover it after a waiting period. This period ranges from 2 years to 6 years and the period should be considered before buying the plan. Specialized maternity plans may have a lower waiting period but the concept of waiting period would be applicable in every plan providing maternity coverage. For instance, Max Bupa’s Heartbeat Gold Plan covers Cesarean deliveries after a waiting period of 2 years while special maternity plan by  Religare Health 'Joy' covers it after 9 months.
  • Limitation on the coverage amount – There is a capping on the maximum allowable amount covering a Cesarean delivery. This capping depends on the amount of Sum Assured opted for and the plan variant. The amount usually ranges from Rs.40, 000 to Rs.1 lakh. So, before you buy the plan, check the allowable limit so that before you go for the delivery you would know the extent of the bill your health plan would cover.
  • Other maternity coverages – Other than your Cesarean delivery, some health plans also provide coverage for complications during child-birth, pre-natal and post-natal expenses and ambulance costs. Moreover, the new-born baby might also be included in the cover till policy renewal along with the baby’s related vaccination expenses.
  • Premium – Obvious to state, the premium for the plans which cover your Cesarean delivery would be on the higher side. Plans with maternity coverage always entail a higher premium for the coverage granted.

Thus, your Cesarean delivery would be covered under health insurance plans but only some plans provide this coverage. Such plans include:

Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Note: This is a sample list and may not cover the plans coming up in the market

Rest assured! Your child birth expenses can be borne by the health insurance plan and while selecting a plan for such requirement, keep in mind the points mentioned above.

Written By: PolicyBazaar - Updated: 11 August 2020
5,020,359 Confirmed Cases in India*
34,478,590 Confirmed Cases worldwide*
931,582 Confirmed deaths worldwide*
Search
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

You May Also Want to Know About

Top Maternity Insurance Plans

Top Maternity Insurance Plans

Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requirements of a growing baby. From ho...
Health Insurance for Parents

Health Insurance for Parents

Are you planning to buy health insurance for your parents? Well, the Indian Insurance market is currently flooded with healthcare plans specifically designed for senior citizens or elderly parents above 60 years. And many insurance providers also o...
Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

There has always been a doubt in customers mind about whether the private company will keep its side of the bargain i.e. it will settle the claim or not. A customer spends premium annually which will cover his medical expenses but there’s always ...
Best Health Insurance Plans for Senior Citizens in 2020

Best Health Insurance Plans for Senior Citizens in 2020

Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy adequate health insurance for your loved ones. And if they are your elderly parents, then it is all the more imperative to get them medi...
Here’s the Difference between Health Insurance and Mediclaim

Here’s the Difference between Health Insurance and Mediclaim

Imagine you’re looking for a job change. You get an interview call for a job. What will be your plan of action? Will you get your resume ready and prepare for the interview or you will try to extract all the possible information about the job pro...
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL