How Health Insurance Helps in Covering Pre and Post Natal Expenses?

Maternity insurance is no longer an alien term. It is quite common with couples now, but the knowledge might remain bleak. Maternity insurance is designed to let all the couples like you, cherish their journey of parenthood which otherwise might prove to be a costly affair.

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    So, to reiterate it further, a maternity insurance plan comes usually as a rider plan with your main health insurance plan. It covers expenses incurred on both normal and cesarean delivery. 

    The coverage that is provided include - pre and post hospitalization expenses, in-hospitalization expenses along with newborn baby cover and delivery expenses (both cesarean and normal birth).

    You can check with your employer if they also provide maternity cover on your group health insurance policy. However, take a note that the maternity cover provided in a corporate group insurance plan will be an additional benefit with a sub-limit clause up to Rs. 50,000. 

    There is no second thought about taking maternity insurance, as it will be required at some point in your life. Furthermore, it might prove to be one of the most beneficial decisions which you will make in your life. 

    You can buy it for your wife and if you are a working woman, then you can buy maternity insurance for yourself. It’s not about you only, but for the protection of your child-to-be.

    What does your maternity insurance plan cover?

    1. Pre-delivery or Pre-natal Expenses- If you are insured under a good maternity policy it will meet all your pre-natal expenses including frequent medical scans, medical check-ups, and ultrasounds to ensure that the baby is doing fine till childbirth.

    2. Labor and Delivery Expenses- An ideal maternity insurance policy will cover all the medical expenses including the delivery charges and labor. It will help in saving frequent hospital bills.

    3. Post-delivery/ Post-natal Expenses- A good maternity plan will pay for post-delivery expenses related to baby vaccinations, medications, and hospitalization.

    Broadly speaking, you will find these benefits in some of the Best Maternity Insurance Policies -

    • The expenses levied before 30 days from the delivery, childbirth or hospitalization is usually covered under maternity insurance. Most importantly, medical expenses continuing till 2 months after hospitalization of childbirth is also taken care off. 

    Sounds great right? Half of your concerns must have been settled with this benefit only, wait there is more to check out. 

    • Moreover, couples don’t need to worry about room charges, consultation fees, nursing expenses; and any other fees charged by the surgeon and medical practitioners.  If you are lucky enough, you can get an ambulance cover also.
    • Adding to the bucket are pre and post-natal expenses which are covered along with specified complications arising after the childbirth. In this way both the mother and the child are offered protection. 
    • You don’t need to fret about your newborn’s medical expenses, as the infant is covered from day 1 to 3 months from birth. 

    Thus, promising the best of medical treatment to you and your little one!

    What is excluded from a Maternity Insurance Plan?

    You can claim for a range of maternity expenses; however, a few listed below are excluded:

    • A pre-existing illness that affects pregnancy
    • Infertility Treatment
    • Cost of medicines other than those prescribed by the doctor
    • Doctor’s consultation fees
    • Congenital diseases

    Maternity Cover an Important Part of the Health Insurance Plan

    Do not forget that all the maternity insurance plans in India have a mandatory waiting period clause, and before that you cannot make a claim for your maternity expenses. Moreover, if you have already conceived you cannot get insurance. Probably, you can take insurance for your next pregnancy, if only you are planning a second child.

    Ideally, you need to buy a maternity insurance plan before conception. Considering all the possible scenarios, it is recommended that you purchase maternity insurance at least 3 years before family planning. Amid all the other planning and investments, if you shed some light on this aspect, meeting the pregnancy and childbirth expenses will be a hassle-free experience for you.

    Conclusion

    The major reason behind getting maternity cover in a health insurance plan is to confirm that the whole process of childbirth becomes smooth and relaxing for the customer. You do not have to face any financial stress during maternity hospitalization. So, think ahead and buy the right health cover for you that secure your future and your newborn’s future.  

    Written By: PolicyBazaar - Updated: 09 July 2021

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