Can You Get Maternity Insurance If Already Pregnant?

You’re holding a pregnancy kit, your heart beating fast, and two pink lines appear- “it’s positive.” You’re going to be parents. It’s one of the happiest times of your life. But as soon as the happiness dails down, you are reminded of the healthcare expenses associated with it. That’s when people start looking for financial support, and maternity health insurance coverage becomes important. Maternity or pregnancy insurance is a coverage in a health policy that helps manage these expenses. It pays for doctor visits during pregnancy, delivery costs (normal or C-sections), and care after childbirth. 

Key highlights

• Maternity health insurance helps cover prenatal check-ups, delivery charges (normal or C-section), hospitalization, and postnatal care.

• Many plans come with a limit on the coverage amount for delivery costs. Any extra hospital charges must be paid out of pocket.

• A good plan may include coverage for newborn care for a limited period after birth and pregnancy-related expenses.

• Most policies allow women aged 18-45 to apply. It may cover one or two pregnancies, depending on the terms of the plan. 

Am I Eligible For Maternity Health Insurance If I’m Pregnant?

The simple answer is “No”. Most health insurance plans don’t cover maternity costs if you’re already expecting. That’s because pregnancy insurance usually comes with a waiting period. The exact duration may vary based on the terms of the plan and insurance provider. 

What to Consider Before Choosing Maternity Health Insurance?

Pregnancy insurance offers numerous useful benefits for couples planning to start a family. But they need to carefully go through a few parameters to get the best out of their plans. Some of those parameters are listed below. 

Don’t Overlook the Delivery Expenses Limit

Insurers have a fixed limit for normal and C-section deliveries. If the hospital bill exceeds that amount, you’ll have to pay out of your own pocket. That’s why it’s recommended to check the amount of coverage associated with a plan you buy. 

Prioritize Scope of Coverage 

Look at what the maternity health insurance plan includes. A good policy should cover key parameters like prenatal check-ups, hospitalization, delivery charges, postnatal care, and newborn care for a few weeks.

Number of Pregnancies Covered

Some plans only cover the expenses arising from one pregnancy. So, make sure to know the inclusions before finalizing a plan. 

Check the Age Limit

Maternity health plans have an age limit. While many allow entry up to 40 years, others might go up to 45 years. It’s better to check this before going through other features. 

Consider Exclusions

Read the exclusions carefully. Most policies don’t cover IVF, voluntary termination, or pregnancy within the waiting period. Knowing this upfront helps you avoid surprises later.

Planning for a baby is exciting, but it also comes with financial responsibilities. Pregnancy insurance plans can ease the burden by covering major expenses for doctor visits, delivery, and newborn care. It’s important to secure your peace of mind today so you can welcome tomorrow’s little miracle without worry.