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Considering Maternity Health Insurance? Know Why it is the Right Choice!

Published On Apr 19, 2019, Updated On Dec 04, 2020

Motherhood is a unique experience for every woman. There are many changes that take place on a mental and physical level, but a mother bears them all for the sake of her baby. No matter how priceless the feeling of becoming a mother may be, it comes with a series of responsibilities.

The news of being pregnant brings a smile to the face of a woman. It is the moment she instantly realizes that she is now responsible not only for herself but her child as well. Additionally, it is the time when she realizes that this is the commencement of expenses, and that too, of multiple kinds. A good financial backup is of massive importance at this time. Therefore, in order to manage the expenses without feeling financially insecure, a woman should rely on the best maternity health insurance to get her needs met.

How Buying Maternity Insurance Benefits You?

First and foremost, learn that maternity health insurance covers the medical expenses that one has to bear at this stage, and that too without the need for spending their savings. Right from maternity-related hospitalization to newborn baby cover, a well-constructed maternity cover helps one in dealing with all kinds of expenses without letting the mother become a victim of stress and rising cost of medical facilities & childbirth. On the whole, it can be said that the advantages of maternity insurance are myriad. However, in order to reap these benefits, one should not delay in opting for maternity health insurance.

Stop disregarding the importance of maternity health insurance!

Opt for maternity insurance and make the most of maternity-related benefits and gain coverage for:

  • Maternity-related Hospitalization Expenses

These include pre-hospitalization expenses that are incurred before hospitalization of the insured individual. As far as the post-hospitalization coverage is concerned, they are also covered under the policy and assure the best possible care of the newborn baby and the mother post-delivery.

  • Delivery Charges and Inpatient Hospitalization Expenses

The expenses incurred for delivery are covered depending on the policy opted for.

  • Pre and Postnatal Expenses

These comprise the cost of childcare, including consultation fees of the doctor, in addition to the cost of medication.

  • Newborn Baby Coverage

Take note that the coverage is also extended to the health of the newborn. This coverage includes care and expenses related to the baby’s health, right from the birth time.

  • Vaccination Cover

Mandatory vaccination of the newborn is also covered. However, there are only a few health insurance that offer this particular coverage. While most health insurance policies offer the vaccination coverage for one year only, there are plans that increase its time limit for up to 12 years. ​​

Aren’t these benefits what you would also want to reap when you plan to have a baby? To make sure you don’t have to worry about spending your savings or depend on others when in need of financial support at the time of pregnancy, opt for buying a maternity insurance plan as early as possible.

The Role of Time

There is nothing such as ‘the right time to buy a maternity cover. The day you think of planning a baby or even if you don’t have plans for having a baby any time soon, you should go for the cover so that you are able to enjoy the benefits of maternity insurance when the actual time arrives.

Not to forget, let’s shed light on aspects you cannot miss:

  • There is a waiting period during which maternity treatment expenses are not covered. You can expect a waiting period of anywhere between 2 to 6 years before you become eligible for the maternity-related claim. Health insurance providers do not offer policies with maternity cover at the time of purchase, so it is always better to be prepared in advance. All in all, to avail the maternity cover and benefit from it, it is important to cover yourself with a policy 2 years prior to planning to have a baby.
  • We belong to a time when maternity-related and child care costs increase at a rapid pace on a regular basis. Keeping the same in mind, one should not postpone their decision of buying maternity cover so that they can save themselves from paying a higher premium. Since the premium for maternity coverage enhances with age, it is best to act quickly and take maternity cover without compromising with one’s budget later.

​Until now, if you haven't considered maternity insurance, do so right away!

However, note that there are specific exclusions associated with the maternity benefit you need to be aware of beforehand.


  • The maximum entry age up to which the insured can avail the benefit of maternity cover is 45 years.
  • Medical expenses in regard to an ectopic pregnancy are not covered under maternity insurance.
  • Medical expenses incurred on termination of pregnancy within the first 12 weeks from the date of conception are not covered under the policy.
  • Expenses on Vitamins, tonics, and so on, unless otherwise specified are excluded.
  • Doctor’s visit for regular check-ups.
  • Expenses on diagnostic tests, follow-ups, and doctor’s consultation during the 9 months of pregnancy are not covered under the policy.

​Now that you are aware of the prime elements of maternity insurance, go for it!

Rest assured, the myriad benefits of maternity health insurance policy will help you take a deep sigh of relief at the time you need your peace of mind the most.

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