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Maternity Health Benefit Plans

Published On Feb 10, 2021, Updated On Apr 27, 2021

One of the most beautiful things in life is having a baby. Having one more person in the family implies extra costs. Therefore, it is essential not only to plan mentally but also financially. This is where the help comes from maternity health insurance plans. It is intended to cover medical costs that happen during pregnancy, relieving you of the burden of the financial pressure.

Benefits of Maternity Health Insurance Plans

The following are some of the benefits of maternity health insurance plans

1. With the advancement of technology, it is possible to track deformities in the baby until his/her birth as well as the health of the mother. These tests, though, cost a great deal. All those costs will be taken care of by a maternity health insurance plan.

2. Maternity health care plans protect the unborn baby's costs for a couple of days. Many of the recommended vaccines are also covered by these plans.

3. Most maternity health insurance plans protect both normal births and complicated ones. Some also provide hospital care for newly born infants. These could offer protection against congenital diseases as well.

4. Most maternity health insurance plans also cover post-delivery complications.

The Right Time to Seek Maternity Health Insurance Plan

Childbirth-related costs have been expensive with increasing medical inflation and total spending. Given that maternity health insurance plans usually have a long waiting time, which can prove to be tricky for most customers, you must prepare well in advance. Because most insurance providers do not provide maternity health insurance to women who are still pregnant and regard it as a pre-existing condition, women who want to obtain maternity insurance can opt for maternity insurance before they conceive. It is essential to mention that there is a delay time of 3 to 4 years on most maternity health insurance plans. Therefore, a maternity health insurance plan is a vital component of a planned birth.

Inclusions to Maternity Health Insurance Plans

1. Expense of childbirth process- normal/caesarean section.

2. Hospitalisation, including room rent, doctor's fees, fees for nurses, prescriptions, etc.

3. The pre- and post-natal fees.

4. For certain problems, child cover.

5. Hospitalization due to some conditions linked to maternity. This may be either during the pre-natal or post-pregnancy period. This is typically for around 30 days in the pre-natal cycle and 60 days after birth.

6. Charges for an emergency ambulance were incurred.

7. The expense of vaccinating a baby for up to 1 year.

Exclusions to Maternity Health Insurance Plans

1. Routine appointment to see the doctor for consultation.

2. Diagnostic examinations carried out during pregnancy.

3. Costs of vitamins/supplements (unless specified in the policy)

4. Expenses arising from an ectopic pregnancy.

5. Artificial/in-vitro fertilisation (IVF) methods

6. Any non-allopathic therapies that are carried out.

7. Any cost that results from a self-inflicted accident.

8. Required care related to opioid or alcohol addiction.


Pregnancy offers a lot of enjoyment and excitement. However, it still takes a lot of additional costs with it. Standard health insurance plans do not cover maternity and related complications. Therefore, to cover these extra costs, a couple must prepare properly. Maternity health insurance plans cover expenses related to birth, pre-and post-natal treatment for newborn, expenses of pre-and post-hospitalization, emergency costs, and childbirth costs, regardless of whether it is a Caesarean or a regular delivery. The newborn baby is also covered for a certain under this plan.

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.

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