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Factors To Keep In Mind When Buying Maternity Insurance Plans

Published On Oct 04, 2021

Health insurance plans play a crucial role in helping the individuals overcome the high costs of medical treatments. Due to the rapid rise in inflation during the spread of the global pandemic, the medical expenditures have increased drastically, thus burning a hole in the pocket of the individuals. To support the people in time of a medical emergency and to ensure them quality medical treatments, the health insurance providers have launched different types of health insurance plans which serve different sets of features but have the same ultimate goal, which is to provide financial aid to the individuals.

Maternity benefit health insurance plans are one of the commonly and widely bought health insurance plans which support the people during the birth of their baby. It provides compensation to the policyholders at the time of the delivery of the mother and it not only protects the health of the mother but also provides coverage to the newborn baby for a specific period of time. This health insurance plan must be bought well in advance to overcome the waiting period. Hence, if you are planning to have a baby, you can invest in a suitable maternity health insurance plan to enjoy the best moment of your life without worrying about the money constraints.

Factors To Keep In Mind When Buying Maternity Insurance Plans

About Maternity Benefit Health Insurance Plans

A maternity health insurance cover is important for all those who are planning to have a baby soon. The birth of a baby involves a lot of complications and immediate hospitalization. Therefore, in such cases it is important to have some financial backup for meeting the high costs of medical expenses. It helps the people to avoid the exhaustion of their financial savings on medical dues, and instead feel the essence of the blissful moment of the birth of their child. Let us look at some of the key points which help us determine the basic features of a maternity benefits health insurance plan:

Must Read: Importance of Health Insurance Policy During Maternity

  • It covers prenatal as well as the postnatal expenditures incurred during the birth of a baby.
  • For a per-specified number of days, the policy looks after the expenses of the new born baby like its vaccination charges, medication costs, etc.
  • It compensates for a wide range of expenses apart from the hospitalization expenses.
  • Tax saving perks are made available to the policyholders under Section 80D of the Income Tax Act.
  • These covers are comprehensive and affordable for the policyholders as they cover the entire expenses incurred during the birth of a newborn baby.

Factors To Keep In Mind When Buying A Maternity Benefit Plan

At the time of buying a suitable maternity health insurance plan, it is important for the policyholders to consider certain key points which can help them in selecting the best available plans which are both extensive and cost-effective. Following are some of the major factors which must be considered while buying a maternity benefit health insurance plan:

  • Coverage Available

You must make sure that your desired maternity benefits health insurance plan offers wide coverage to the policyholders. Apart from the hospitalization expenses, the cover must include prenatal expenses, postnatal expenses, medication charges, ambulance covers, vaccination costs, and much more. Most of the plans cover the newborn baby along with their mothers under the same plan for a specific period of time.

  • Waiting Period

Maternity plans come with a waiting period specified by the insurer. Therefore, before buying a suitable maternity plan you must consider its waiting period as you can avail the benefits of the plan only after the waiting period is over.

  • Exclusions

After purchasing a plan, most of the insurers offer their policyholders a 15-days free look period during which the policyholders must thoroughly read the fine print of the plan to understand their policy and avoid any inconvenience. You must carefully read the exclusions of the policy to avoid any hassles at the time of the claim settlement process.


You must consider the above mentioned factors while buying a maternity benefit plan to choose the best suitable plan for yourself and your loved ones. You must analyze your requirements before investing in a health insurance policy.

Also Read: Top 5 Maternity Insurance Plans In India

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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