Importance of Maternity Coverage in Health Insurance

Motherhood is an emotion. It comes loaded with love and responsibilities! And with all the happiness, comes healthcare, about which you need to be very careful. More than half of the women in the country face post-delivery complications. The treatment and medicines can extend up to a few months. Hence, not only you need to be serious about it, but you also require financial support. In such cases, a maternity cover can prove to be very useful. 

To help you understand more about the maternity cover in health insurance, we have curated a list of benefits offered under the maternity cover. Have a look: 

Maternity coverage benefits

  1. Pre- and Post-Labor Cover

Constant care is important at the time of pregnancy. Regular health check-ups and prescribed medicines are required. Even after delivering, one must stay regular to their doctor’s appointments. And all this needs a stable financial support. 

Maternity insurance ensures to cover all such healthcare expenses. With the pre- and-post labor coverage benefit, you are covered against all medical costs from 30 days before the due date and 30 days after the delivery (for both mother and child). 

  1. Delivery Cover

Safe delivery of the baby requires a team of expert doctors. This may cost you more than you expect. Delivery cover will provide you protection against such expenses. However, it may come with certain sub-limits depending on whether the delivery is normal or cesarean.  

  1. Newborn Cover

In an unfortunate case, if the newborn requires special care for congenital diseases or any other complication, the newborn cover will provide treatment expenses for up to 90 days from birth. 

  1. Vaccination Cover

Under this benefit, you can avail mandatory vaccination for your baby, however, this depends on the type of plan you have opted for. The mandatory vaccinations covered are: polio, tetanus, diphtheria, measles, etc.  

Things to keep in mind when buying a maternity health plan

Let’s discuss the important things you should consider when purchasing a maternity health insurance cover. 

  • Policy terms

Being a mother comes with various responsibilities, one of them is to carefully read the terms & conditions mentioned in your maternity policy. This way you can understand what all coverage benefits you can avail and under what conditions. 

  • Waiting period

All policies come with a certain waiting period. You can only start to avail benefits of your policy, once the waiting period is complete. Hence, it would be wise to check the number of days mentioned under waiting period. 

  • Premium price

Make sure to double-check the premium amount that you need to pay in order to keep your policy active and avail the coverage benefits. If you opt for add-ons, then your premium will also increase since, each add-on cover comes with a nominal but additional premium price

  • Exclusions

It is important that you check what all is not included under your policy. You need to make sure that it’s not something you may require in future. This way, you can decide which type of policy you need to buy. 

We hope you now have a clear understanding about the importance of maternity cover. If you want to know more or wish to explore insurance plans online, you can download our Bajaj Finserv app.

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