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Why Health Insurance with Pregnancy Cover is a Must for You?

Updated On Aug 11, 2020

Do you belong to a middle-income family? Are you looking forward to starting a family of your own? If ready to welcome a new addition to your family, make sure you invest in the best health insurance with maternity cover without wasting any more time. 

Buying health insurance with pregnancy cover is the first step that a couple takes when they decide to get their family started. The reason is that having a health insurance with maternity cover by their side, helps a couple focus on the pregnancy journey rather than the expenses associated with it. After all, becoming a parent is a beautiful phase of life that should not be mixed with stress of any kind, especially finance related. 

The joy of becoming a mother or a parent is unlike any other. If you are willing to enjoy this memorable phase of life with utmost happiness, go ahead and invest in a maternity cover or maternity health insurance so that you don’t end up being financially concerned throughout this amazing journey. 

How much does normal or caesarean delivery cost in India?

It is significant for you to know that any good hospital across the country would charge you anything between Rs. 60,000 to Rs. 2 Lakh for normal or caesarean delivery. Needless to say, sky-rocketing costs of hospitalisation call couples planning to have a baby invest in the best health insurance with maternity cover to handle the finances beforehand without losing out on the savings. Compensation with maternity coverage is the best solution for soon-to-be parents so that they can shed all the financial burden and focus solely on the pregnancy.  

What all maternity insurance covers? 

When you choose a health insurance with pregnancy cover, you usually gain coverage for: 

  • Medical expenses incurred prior to 30 days of hospitalisation, delivery, and child birth. 
     
  • Medical expenses continuing to 60 days post childbirth are also recompensed. 
     
  • Hospital room charges, doctor’s fees, nursing fees, and various other miscellaneous hospital charges such as surgeon’s fees. Some plans provide ambulance cover as well. 
     
  • Newborn’s medical expenses with coverage starting from day 1 to 3 months after birth. 

While choosing a health insurance policy with pregnancy cover, make sure you go with one that recompenses pre & post natal expenses, in addition to pregnancy and childbirth-related complications. Making a choice considering the same in mind will help you protect both, the mother and the child. 

Do not forget to read Maternity Health Insurance Plan- All You Need to Know About the Plan

When to buy health insurance with maternity cover?

The phase of pregnancy is undoubtedly a blessing. To make this phase a bigger blessing for your child, you should look for a maternity cover as per your specific medical requirements. 

When it comes to the question of “When should I buy a maternity insurance?”, the answer is quite simple. The best time to invest in health insurance with pregnancy cover is before the conception. 

The next most important thing to keep in mind is that all the maternity insurance policies come with a waiting period (mandatory) between 2 years to 4 years before one becomes eligible for a claim. So, if you are already pregnant with a child, you won’t be able to make a claim as you won’t be eligible. However, you can go ahead and buy a cover for your second second. 

All in all, it is advisable to a couple to get a maternity cover at least 3 to 4 years of pregnancy so that they are eligible to make a claim when the time comes.

Also Read

Best Health Insurance with the Minimum Waiting Period for Pregnancy

Important Changes in Health Insurance After Marriage

Conclusion 

Now that you are aware of the significance of buying a health insurance with maternity cover, make sure you invest in one while considering your medical and other requirements. 

You may also like to read Maternity Plan - Top 5 Reasons Why You Should Opt For One?

If interested in learning more about maternity insurance and its plans, please feel free to explore our website. 

You can also talk to InsuranceDekho experts at 18001205698 to get your maternity cover related queries resolved.

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