A Guide to Maternity Health Insurance in India

Motherhood is one of the most beautiful things that you can experience in life. Some days you will be exhausted and even sleepless nights but you will never feel like giving up. Such a thing is a mother. The responsibilities of a mother start right from the day when you find out that you are going to have a baby. One of the major responsibilities is the financial backup, which you must have. Even before the birth of the baby, there are so many tests that an expecting mother has to go through. And all those tests cost quite a good amount of money. Therefore, you should be well-prepared while you are planning for a baby.

One of the best things to go for is a health insurance policy that can include all the expenses. There are several maternity insurance plans that you can opt for.

The need for health insurance policies that provide maternity coverage

Many health insurance policies come with maternity coverage. These health insurance policies not only cover medical expenses but also provide various benefits. As you take one of these policies, it will cover normal pregnancy, labor, and even the delivery of the baby. If it is a comprehensive health policy, it will cover the newborn and various other related costs.

Medical facilities, as well as childbirth, have become an expensive affair these days. Not everyone can bear such a big amount. If you want to lessen the financial burden during your pregnancy and take less stress about it, then you must consider going for a health insurance policy with maternity coverage. Nevertheless, below are some points that you must consider before you buy a health insurance plan with maternity coverage.

Pre and post hospitalization costs

The health insurance policy that provides maternity coverage takes care of the expenses even before the policyholder is hospitalized. In the post-hospitalization coverage, the policy will take care of the newborn.

Pre and postnatal costs

The policy will cover all the childcare costs, which also include consultation fees of the doctors along with the medication cost.

Delivery charges and inpatient hospitalization

The hospitalization expenses that have been the result of the delivery are well taken care of under this coverage. However, the sum insured may vary from one policy to the other.

Newborn coverage

Certain health insurance policies come with health coverage even for the newborn, which may include significant care and costs from the time of the birth of the baby.

Vaccination cover

Your newborn has to take some of the mandatory vaccinations. And those vaccinations may cost a lot. You must look for a maternity health insurance policy that provides coverage for the vaccination expenses also and at least for 12 years.

What is the right time to purchase a health insurance policy with maternity coverage?

While you are wondering about the right time to buy a health insurance policy, just be clear that it is always a great idea to buy one such policy at the earliest. However, there are some glitches that you need to be aware of. Here are some of them mentioned:

Waiting period

There is a certain period in which you cannot avail of the maternity benefits, and it is called the waiting period. As a matter of fact, most health insurance plans do not provide maternity benefits right away. You have to wait for it for 2 to 6 years. The lesser the waiting period is, the better it is for you.

Hike in premiums

The only challenge that you may find with maternity health insurance is that you have to pay a higher premium with age and time. If you buy maternity health insurance late, you have to pay higher premiums.

Now to check out some of the best health insurance policies with maternity coverage in India, you can visit the website of IIFL.

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