How Health Insurance Helps You Pre and Post Pregnancy
Updated On Dec 21, 2020
For every woman, motherhood is one of the best phases of her life, and to ensure that journey is smooth and secure, one should always opt for health insurance. An insurance plan that covers all maternity expenses with additional benefits is a must-to-have for every woman.
Benefits of Insurance Plan With Maternity Coverage
A woman needs constant medical supervision from the time pregnancy is detected, including routine check-ups, medication dosages, scans, and a healthy diet. All these expenses get covered with an effective health insurance plan.
The following are the benefits of a health insurance plan during and after pregnancy:
1 - Prenatal care expenses – A good maternity coverage plan meets all expenses of prenatal care, which includes frequent medical check-ups, scans, and tests to ensure the baby is doing fine till delivery.
2- Labour and delivery expenses – A maternity plan covers all expenses including labor as well as delivery costs for saving on the frequent hospital bills.
3- Post-delivery expenses – An ideal maternity plan also covers post-delivery costs such as expenses related to baby care, medications, hospitalization, and baby-food.
Things to Check In A Maternity Health Plan
Before opting for a health insurance plan, it is important to have a thorough estimation of expenses during and post-pregnancy. On availing of specialty prenatal services, the expenses may go slightly up than expected. It is essential to choose a plan that covers the overall expenses of maternity benefits.
Another aspect is that the cost of a C-section is more than normal delivery, and so, this should be considered along with hospitalization charges, post-pregnancy tests, and well-being of the new-born.
What Is Not Covered In Maternity Insurance?
While there are several benefits of a maternity plan, a few aspects are usually not covered in the plan:
- A pre-existing illness that affects pregnancy
- Congenital disease
- Cost of medicine other than prescribed by the doctor
- Doctor’s consultation fees
- Treatment of infertility
Maternity Coverage: A Part Of The Health Insurance Plan
Insurance-seekers must realize how effective maternity coverage works under the insurance scheme. The mandate of a health plan that includes pregnancy may range from 2 to 4 years. And so, it is necessary to opt for maternity coverage well in advance to avail the benefits in a hassle-free manner. If this is missed, one can still buy a separate maternity plan but with a higher premium. The age for claiming such a plan may go up to 45 years as this is the parameter set by most of the insurance companies. So, one should always verify with the insurance provider regarding specific regulations. It is to note that the leniency of the maternity health plan may vary according to the age of the party. This necessitates the practice of comparing their perks in each specific case.
Conclusion
The ultimate objective of having maternity coverage as a part of the health insurance plan is to ensure that the whole process of pregnancy becomes smooth and relaxing for the customer and that no unprecedented stress while bearing unplanned expenses during and after pregnancy. So, think ahead and buy the right health insurance plan for you that secures your and your child’s future.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
