Importance of Health Insurance Policy During Maternity
Published On Feb 26, 2021, Updated On Apr 30, 2021
Table of Contents
Maternity is a wonderful time not only for the mother but for an entire family with many experiences and needs a quite lot of expenses. The need for good care and medical treatment is mandatory for both the mother and a newborn. Maternity treatment & childbirth in a good hospital, have become quite expensive these days. And health insurance policy for maternity ensures these coverages.
Maternity health insurance plans cover the expense of normal pregnancy, labor, and delivery. By opting for a comprehensive maternity health insurance policy, you can get coverage for newborn and other related expenses. Not only the mother, but the baby and the entire family get benefitted when you opt for a maternity health insurance policy as it relieves the financial stress and lets you enjoy the new phase of life.
Importance of Maternity Health Insurance Plans
Following are some key benefits offered by a maternity health insurance plan -
1. Provides Financial support
A maternity health insurance covers expenses related to both delivery options i.e normal as well c-section delivery. Without any worries, the type of delivery is required, you and your family won’t be stressed about the finances.
2. Pre and Post Hospitalisation Expenses
Maternity health insurance policy provides coverage for both the pre and post hospitalisation expenses including medication, surgeon's fee, baby's treatment etc.
3. Quality Medical Treatment
Every insurance company has ties ups with certain hospitals which offer high standard medical treatment. Most couples and families looking for good quality healthcare during maternity. However, there are high expenses in these hospitals. However, when you buy a maternity health insurance policy, you can get the required treatment at any of the network hospitals of the insurance provider and can make a cashless claim for such treatment.
4. Coverage of Newborn Baby Expense
A maternity health insurance policy also covers the newborn baby right from the day the new life is born. The coverage of the newborn baby expenses includes vaccination till a certain tenure along with required medications.
5. Helps You Remain Prepared In Case of Maternity Complications
In the case of complications like premature birth, a newborn needs to be kept in an incubator that can cost in Lakhs. These are unforeseen circumstances that can be more stressful, reading to financial worries. Thus a good maternity insurance policy helps you to get some relief from the financial stress as it would cover most of the finances.
Even for women who already have a health insurance plan, the addition of a maternity plan can be fruitful. With increasing expenses, a maternity plan can give mothers an added edge and peace of mind when it comes to their safety and that of their baby. So if you are planning for a baby, make sure for the maternity health insurance policy, so that you enjoy your wonderful journey to the fullest.
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.