Mother’s Day Special-Maternity Insurance for Young Mothers

A health insurance policy with maternity benefits will cover the cost of maternity expenses incurred during hospitalization including the newborn child.

You can also find numerous health insurance plans with women-specific optional covers on Policybazaar. Industry experts recommend women to consider women-specific health insurance options with critical illness cover like treatment and screening for Breast cancer, Ovarian Cancer, Osteoporosis, Cervical Cancer Screening, etc.

Some insurers are offering Women+ optional wellness package to females above the age of 12 years that include various screening programs and vaccination for cervical cancer. Yearly screening for ovarian cancer, breast cancer, and cervical cancer are also covered.

Check out the Maternity plans for Expecting Mothers

A standard health insurance plan does not necessarily cover maternity expenses, and a waiting period of 2-4 years is applicable.

A health insurance plan with maternity insurance will payout for pre and post-hospitalization expenses, delivery charges, ambulance charges, newborns vaccination, pre and post-natal expenses in addition to the room rent charges, nursing fees, etc.

It is your choice if you want to get a standalone maternity cover by paying a slightly higher cover or opt for it as an add-on in your existing policy with some additional premium.

However, the key is to get health insurance cover a couple of years before planning a baby and get the policy at an affordable premium. In today’s time, a comprehensive health insurance plan makes more sense.

You can Buy Health Insurance with Maternity Cover Online

While maternity insurance is the need of young mothers, but certain aspects need to be considered. The policy can be purchased online but before that, you need to compare the benefits and features. Generally, the policy covers the cost of mother and child hospital care but there are certain expenses like IVF, pregnancy complications that are not covered. Thus, do read the policy documents carefully.

Lastly, do not forget to check the waiting period. You need to have clarity in terms of when you can file a claim for maternity-related expenses. This can be 2-4 years, but in group insurance, it is lower. If you buy it online from Policybazaar you can compare plans with a minimal waiting period, and find few maternity insurance plans that cover your delivery expenses after 9-months only.

If you want to buy maternity cover insurance or get it as an add-on you can write to us at care@policybazaar.com or call us at 1800-208-8787