Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

The Importance of Maternity Health Insurance for Expectant Mothers

Being pregnant and preparing for the arrival of a new baby is a super exciting and beautiful time for any woman. But with rising healthcare costs and economic conditions, it becomes a big deal because you have to look after both the mother and baby’s health really well. That’s why having health insurance is important. It helps to make sure that both mom and baby are taken care of and solves your major financial puzzle. 

Maternity insurance is a type of insurance that helps cover medical expenses related to costs of pregnancy and childbirth. It is like financial support for expecting mothers, making sure they can get the quality medical care they need without worrying about the cost. 

In this article, we will cover the importance of maternity health insurance and why every expectant mother and their family should think about getting it. 

The Importance of Maternity Health Insurance for Expectant Mothers

What is Maternity Health Insurance?

Maternity health insurance helps pay for hospital stays during childbirth, as well as doctor visits, tests before (pre-natal) and after birth (post-natal), and care for any problems that might happen during pregnancy or delivery. This makes sure both mom and baby get the care and attention they need right away.

Different health insurance companies offer different maternity insurance plans. Some might have a waiting period before they start covering pregnancy costs, and some plans might not cover certain elements of maternity (exclusions). That's why it's really important to review and understand what the insurance plan offers before you decide to purchase it.

Importance of Maternity Insurance For Smooth Pregnancy

Every year, about 3 lakh women die because of problems during pregnancy or childbirth. This high number signifies how important it is to have good and quality health care when you are pregnant. However, prenatal care, postnatal care, and pregnancy combined are really expensive and not everyone can afford it. This is where Maternity Health Insurance comes in as a saviour to provide financial stability along with affordable healthcare. 

The following list briefly describes the features of maternity insurance benefits in India:

  1. Provide financial assistance or security.

  2. Expensive delivery in a private environment

  3. Coverage for a newborn from the first day.

  4. Prepares couples for potential and unforeseen challenges.

Key Features of Maternity Health Insurance

Here is a simple overview of what maternity health insurance offers:

Features

Description

Network Hospitals

Access to cashless facilities at hospitals in the network

Coverage

  • Newborn care

  • Daycare procedures

  • OPD cover

  • Ambulance charges

  • Tax benefits

Specifications

6500+ network hospitals
Upto 50 lakh coverage

Benefits of Maternity Health Insurance

  • Financial Stability: Pregnancy can be a stressful period, and the added burden of huge costs may lead to worry for the mental and emotional well-being of the mother, Hence, apart from medical expenses, maternity health insurance also covers the labour costs, whether it is a normal delivery or a caesarean. It also includes postnatal care, which is important for the mother and the baby's well-being.

  • Extensive pregnancy and childbirth coverage: Maternity insurance plans are designed to offer comprehensive coverage, which includes routine doctor checkups, blood tests, and rest, as well as all aspects of maternity and pregnancy care. This is clearly outlined in policy documents.

  • Customised maternity plans: in some cases, you may also add some additional benefits such as coverage for maternity-related complications, prenatal vitamins, and even maternity leaves. These benefits help ease another layer of financial strain and lead to a happy mother and the baby.

  • Protection against potential complications: It provides coverage for any unforeseen complications that may arise during pregnancy or childbirth. This includes emergency procedures, such as a C-section or hospitalisation due to pregnancy-related complications. Without proper insurance coverage, these expenses can be a burden and may lead to delays in necessary medical care.

  • Preventive and post-natal care: Maternity health insurance does not only cover expenses related to pregnancy and childbirth but also provides coverage for the newborn baby. This includes vaccinations for the baby, doctor visits, and any medical requirements in the first few months after birth. This is to make sure that the baby receives the necessary healthcare without putting financial stress on the family.

Securing Maternity Health Insurance Post-Pregnancy: Is It Possible?

Getting ready for a baby is exciting, yet it is also a bit of a financial puzzle, especially with rising medical costs every day. You might think your regular health insurance has got you covered for oncoming baby expenses, but such is not always the case. Most of these plans do not include maternity as they see pregnancy as something that you are planning for and do not mark it as a sudden health crisis. 

So, what can you do? You cannot just snap your fingers and get this coverage within 5 minutes, like a money transaction, the moment you find out about pregnancy. There is a waiting period that can last anywhere from 9 months to 6 years before you can use the benefits.

This means that waiting till you are actually trying to have a baby to get maternity insurance is not the best move. It is like waiting till the last minute to start saving for your trip next week- a stressful plan and so not helpful. The smart move would be to get this coverage into your bucket as soon as it fits into your budget. That way, you can plan ahead for your game, and those bulky hospital bills become someone else’s worry and not yours. 

Availing Maternity Health Insurance While Pregnant

You can get a health insurance policy when you are pregnant, but it won't cover the costs of your pregnancy until after a waiting period, which can last between 9 months and 4 years. So, it is smart to get maternity health insurance early. That way, when you get pregnant, you will be all set to use its benefits without waiting.

Inclusions of Maternity Plan

Please note that the coverage of maternity health insurance plans may vary depending on different policies. For more detailed information, you can either visit Insurancedekho or contact their customer care at 7551196989. Below are some of the aspects that are typically covered under such plans:

Inclusions

Remarks

Pre and Post Hospitalisation Support

Covers all related costs

Labour Cost

All birth-related expenses, a limited number of pregnancies covered

C-section

Covered on doctor's recommendation

Hospitalisation and Room Rent

All hospitalisation and room rent. Natural and c-sections, natural births, and pregnancy termination in life-threatening situations are covered. (medical essential scenario)

Newborn baby Coverage

Provides coverage for a certain number of days, varying with policies. 

Vaccination

Covers routine vaccination for newborns.

Top 4 Maternity Health Insurance Plans 

Now that you understand the importance of maternity health insurance and why it is important for your family's safety. Here are some of the top Maternity Health Insurance Plans in 2024 that you can check out before you decide to buy one for yourself. 

Read: https://www.insurancedekho.com/health-insurance/news/top-4-maternity-health-insurance-plans-how-to-find-know-features-10277 

Conclusion

As you start this beautiful journey of parenthood, let InsuranceDekho be your guide in securing a maternity health Insurance plan that provides peace of mind and cherishes your bundle of joy without any financial worries. 

Remember, investment in maternity health insurance is not just a financial decision but a smart move with a loving gesture towards your family’s future.

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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

Best Health Insurance Plans In India

  • Cover 5 L
    Starting at 832/month*
    No room rent limit 100% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 10 L
    Starting at 739/month*
    No room rent limit Unlimited restoration benefits50% no claim bonus4 Years PED Waiting period
    View All Features
  • Cover 5 L
    Starting at 447/month*
    No room rent limit 33% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,312/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 664/month*
    No room rent limit null20% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 675/month*
    No room rent limit 50% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 690/month*
    Single Private A/C Room 100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 546/month*
    Twin sharing room Zero no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 566/month*
    No room rent limit 20% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,770/month*
    Zero no claim bonusNo restoration benefits1 year PED waiting period
    View All Features
  • Cover 40 L
    Starting at 62/month*
  • Cover 2 L
    Starting at 146/month*
  • Cover 5 L
    Starting at 806/month*
    Single Private Room 10% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 476/month*
    60% no claim bonus150% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 526/month*
  • Cover 5 L
    Starting at 855/month*
    25% no claim bonus100% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 396/month*
    Room rent upto 2% of SI Room rent upto 1% of SI No room rent limit Single Private Room
    View All Features
  • Cover 5 L
    Starting at 738/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
Note: Premium is shown for 18yr old individual of Delhi
Show More
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 80 Lacs+ happy customers