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How A Health Insurance Plan Can Be Helpful During Maternity?

Published On Oct 24, 2022 10:00 AM By InsuranceDekho

Since healthcare costs for pregnancy and childbirth are rising, it's important to carefully arrange for finances before having a kid. You require maternity insurance coverage to ensure your expenses are taken care of. Pre and postnatal care costs, lodging costs, birth costs, ambulance costs, and other costs are all covered under  maternity insurance. Therefore, having a health insurance plan with maternity coverage may be quite helpful both during pregnancy and after giving birth. There are a lot of decent health insurance policies, so you should compare a few to see which one best suits your needs. To find more about maternity health insurance, read on.

How A Health Insurance Plan Can Be Helpful During Maternity?

Maternity health insurance meaning 

Health insurance that covers all expenditures associated with pregnancy, including those associated with normal and C-section deliveries is known as maternity insurance. Some insurance providers offer maternity insurance policies that cover pregnancies along with pre and postnatal costs as well as newborn infant costs. Additionally, some businesses give their female employees the option of adding maternity insurance as a rider or in addition to the finest health insurance plan.

How Is Maternity Health Insurance Helpful For Someone?

Following are the things that highlight that having a maternity health insurance is helpful for an individual -

  1. Provides Coverage For Child Delivery Costs - covers hospitalisation costs for any pregnancy-related issues, delivery costs, including c-section procedures.
  2. Includes Newborn Baby Cover - Your newborn infant will be covered for the first 90 days of its life as part of our Maternity Benefit at no additional cost! This also applies to any health conditions and vaccines.
  3. Infertility Expenses Coverage - The scope of our maternity benefit extends beyond simple childbirth costs. We also offer coverage for procedures connected to infertility.
  4. Coverage for Medically Necessary Pregnancy Terminations - Your maternity benefit insurance will support you if you are needed to have a pregnancy termination because it is medically necessary.
  5. Network Hospitals - Policyholders who sought medical treatment at a network hospital are the only ones who can receive cashless treatment. Select a maternity health insurance plan with a sizable network of hospitals, some of which are close to the prospective mother's residence, to save time in the event of an emergency.

What Is The Right Time To Get Maternity Health Insurance?

For a woman, being pregnant is a journey that profoundly alters her life. The cost of birthing has increased due to growing medical inflation . Lack of preparation might cause you to burn a hole in your wallet, which could outweigh the joy of having a kid. Given that maternity health insurance policies sometimes include a lengthy waiting period, which may be challenging for most customers, experts advise making your plans well in advance.

Women who want maternity insurance should apply before becoming pregnant because the majority of insurance providers do not provide it to those who are already pregnant because they view pregnancy as a pre-existing condition. A waiting time of three to four years is common for maternity health insurance coverage, it is crucial to mention. A planned pregnancy must consequently include maternity health insurance.

What Is The Waiting Period In Maternity Health Insurance?

In India, there is a waiting time that ranges from 9 months to 4 years for all maternity insurance policies. The covered women are not permitted to submit any claims for pregnancy-related costs during this time. As a result, it is advisable that women choose maternity insurance coverage at least a few years before they want to have children. Additionally, the waiting time for maternity insurance differs from plan to plan, so people must examine it before choosing a maternity cover.


Women who want to have children soon should choose maternity insurance since it will pay for any medical costs associated with the pregnancy and the new baby. Your insurance company will cover all associated charges under your maternity insurance plan, including delivery fees and pre- and postnatal care expenditures.

Also Read: Health Insurance For Hypertension: Top Reasons To Purchase It


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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