Maternity cover health insurance is a significant investment that every couple should make. As a financial shield, maternity coverage protects the mother and the newborn during childbirth. With maternity insurance, you would be secured with necessary delivery expenses and other healthcare benefits.
What is Maternity Cover in Health Insurance?
Maternity cover provides you with financial protection by covering all pre and post-hospitalization charges, including natal care, ambulance charges, and delivery expenses, including both standard delivery and caesarean delivery. Besides, maternity cover health insurance can also provide newborns with coverage for up to 90 days, depending on your policy terms and conditions.
Considering the cost of private healthcare is constantly on the rise, it is essential to know about the benefits of maternity insurance so you can plan for your family’s future. Some primary benefits of maternity coverage are highlighted below:
Coverage for Pre and Post-Hospitalization
A maternity health plan offers comprehensive coverage for up to 30 days of pre-hospitalization and up to 60 days post-hospitalization. All expenses incurred on diagnostic procedures, tests, surgeon charges, nursing, room rent, etc., are taken care of by the maternity cover—giving you complete peace of mind to focus on the most important thing—the baby’s arrival!
Coverage for Baby
Newborns can’t be covered under health insurance until they are 90 days old. That’s why a maternity cover makes security provisions for your newborn to be covered from day 1 up to 90 days. So, if additional expenses arise due to an unfortunate complication, you don’t have to worry about the hefty hospital bills. Newborn coverage in maternity insurance helps pay for the healthcare needs of the baby.
Pre and Post-Natal Care
Maternity cover in health insurance takes care of all pre-and post-natal care expenses. For example, in the case of a premature baby, the child needs to be in an incubator that can cost up to ₹10,000/day, and while the child may need longer intensive care, the expenses keep piling up. With this cover, you get a financial safety net in the event of an unfortunate occurrence.
Coverage for Vaccinations
Some policies offer coverage for vaccinations for up to 12 years, while some only offer this benefit for one policy year. Given that vaccination is unavoidable for a newborn, you must opt for a plan that offers coverage for all the essential vaccinations during childbirth. It acts as a protective shield against health risks and expensive vaccinations.
Experience Financial Freedom
Childbirth requires proper planning, and maternity cover health insurance is a critical step in that direction. These plans often require you to opt for the policy at least 2 years before you plan to have a baby. This ensures seamless claim settlement while covering up the policy’s waiting period without any pressure.
Now that you know the major benefits offered by maternity insurance, you must start planning and looking for the perfect one for your family. Care Health Insurance is one of the most reliable maternity insurance providers. With comprehensive coverage for hospital expenses and medical treatments, Care Health Insurance promises affordable maternity policies to people up to the age of 45 years. The sooner you make a choice of maternity insurance, the lesser the premium and insurance costs you need to bear. Remember, health insurance is one of the most important investments that serve people for a lifetime.