Maternity Insurance Coverage under Health Insurance Policy

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Motherhood is the best feeling in the world. The joy of holding your newborn in your arms for the first time is an overwhelming experience. However, many expectant mothers worry about the high hospitalization bills of delivery and post-natal care. This is when a maternity health plan comes to the rescue.

Understanding maternity health plans

Maternity coverage generally comes as a rider with the existing individual medical plans orhealth insurance plans for family. This add-on provides coverage against medical expenses for both cesarean and normal delivery. Many employers provide women employees with the benefit of maternity insurance along with their current health plan.

A maternity health insurance policycovers all expenses related to delivery. Such a plan offers numerous other benefits as well. Following are five major advantages of opting for a maternity health cover.

  1. Pre and post hospitalization expenses

A maternity health plan covers costs incurred up to 30 days prior to the date of admission. This includes various medical tests such as sonography, ultrasound scan, or any other screening tests.Such a plan also covers medical bills post discharge from the hospital.

  1. Hospitalization costs

There are numerous costs involved with child delivery such as room charges, nursing expenses, doctor’s consultation fees, and anesthetist consultation charges, besides others. A maternity plan covers such costs as well as that of related medicines. Some maternity medical insurance plans also cover emergency ambulance charges.

  1. Post-natal costs

Maternity health policies cover expenses related to postpartum care. It provides coverage against any complications that arise post-delivery. Such benefits go a long way in ensuring comprehensive cover during such an important phase of life.

  1. Vaccination expenses

Maternitymedical insurance provides coverage against vaccination expenses. It also covers newborn baby expenses, thereby preventing any out-of-pocket medical expenses.

  1. Newborn baby cover

Newborn baby cover is provided to children in case they have been diagnosed with critical illnesses such as tumor, paralysis, or any other disease as per policy terms and conditions. Newborn baby cover also offers protection against any congenital disorder.Generally, such a cover is available from day 1 to 90 days of childbirth.

Features of maternity plans

Maternity health insurance policy is accompanied by a host of salient features. These plans have a waiting period of two years. This indicates that you may avail of the benefits of the policy only once the period of two years is completed after the purchase of the policy. It is also important to know that such plans have a premium cost higher thanother medical insurance plans. The premium amount depends on numerous factors such as age profile of the insured, risk factors, as well as the number of employees and company location, in case of group policies.

Eligibility criteria

The eligibility criteria for purchasing a maternity health plan vary from insurer to insurer, though the basic criteria remain the same. For instance, women seeking coverage must be between 18 to 45 years of age.

With rising medical inflation, it only becomes necessary to protect yourself from high childbirth-related costs. You may, therefore,invest in such a plan and meet your expenses without any financial strain. Consider purchasing the policy either by visiting your local branch or through the Internet. Buying an online health insuranceplan offers a great degree of flexibility and convenience. You may apply through the insurer’s website anytime, anywhere. Buy a maternity health plan and enjoy the numerous benefits it has to offer.

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