Planning for a baby is an essential phase in a would-be parent’s life. From buying the first clothing to saving for the future of newborn you don’t want to miss anything.
To embrace your parenthood journey, you want the best for your wife and baby. And when you are all set to start your parenthood journey, the super hiked maternity bills will leave you stressed.
In the rush, you often miss out on the expenses involved in the delivery period. From the last decade, the expenses of various maternity treatments are touching the sky.
Hence, maternity charges have become an expensive affair, especially when you don’t have a financial backup. For all these reasons, a well-constructed maternity insurance plan becomes a need for today’s time.
What are the maternity-related expenses?
The expenses spend during the delivery period and mother and newborn care come under maternity-related expenses.
Why should you Opt for Health Insurance Plan with Maternity Benefits?
No doubt you have planned the best for your wife and baby. The expenses in a good hospital are not easy to bear by everyone.
And the sudden hike in expenses of various maternity treatments could push you in trouble if you are not prepared.
Here maternity benefits of a health insurance plan come to rescue. They will take away all your financial stress by bearing all the expenses making your parenthood blissful.
You should opt for a trustworthy health insurance company when you are looking for maternity coverage. This coverage bears all your maternity expenses.
What is covered under the maternity coverage in health insurance?
Maternity coverage provides financial cover before hospitalisation and post-discharge apart from hospitalisation cover. It also covers delivery costs, medical tests, medicines, and newborn care.
However, the degree of coverage may vary with the health policies you opt for. Listed below the benefits that the maternity coverage provides.
Pre and Post Hospitalization Expenses:
The maternity coverage bears all expenses before hospitalization and after discharge both for the newborn and mother.
Delivery Charges:
All the delivery expenses are covered under maternity benefits.
Newborn Coverage:
Some health insurance policies offer newborn health coverage up to 90 days since birth. Good thing is that maternity coverage like Max Bupa Heartbeat covers newborns from day 1 till the next date of renewal.
How can I buy maternity coverage?
Most of the health insurance plans offer maternity coverage as an add-on. Some health insurance policies have an inbuilt maternity cover.
When to buy maternity coverage?
You should opt for maternity coverage when you are getting married. As the maternity coverage comes with the waiting period for a minimum of 2-4 years.
Importance of Maternity Coverage
No one wants to compromise with the health of their wife and baby. And a good hospital can only live up to their expectations.
But the expenses of maternity of 50,000 INR or above are not easily bearable. Here, opting for the maternity coverage along with health insurance policy will reduce your financial stress.
The essential points to consider while buying coverage to look for the limit for normal and cesarean section delivery, waiting periods, coverage for newborn baby, vaccination benefits, etc. I hope that you will get good maternity coverage soon.
Disclosure: The views expressed in the blog content are independent and unbiased views of solely the blogger. DISCLAIMER: The content in this post is purely meant for educational purpose only and not to be substituted for professional medical advice. One should consult the expert for any related information
Useful n beneficial post ??
Thanks for this useful information.I am sure it will be helpful to many. I didn’t know about the waiting period for maternity benefits health plan.
It give a great relaxation of pregnancy expenses to be parents. It’s step to secure your happiness in advance
Oh I had no idea that we can also opt for maternity benefits while taking health insurance. This is quite informative, will share this with my friends & family.
A lot of times people generally tend to ignore the insurance part until and unless it is provided by the employer. Sadly there is no much conversation around the same in our society.
This is really a new info for me, I did not know the amazing benefits of maternity insurance, thanks for sharing all details about it.
Actually during Maternity, our bodies are open to so many risks. It makes sure to opt for a medical insurance. Certain doubts you cleared that I had.
That’s the right recommendation buddy we must buy health insurance under all circumstances . Found your post very useful
I did not knew maternity is covered under such benefits, will share with my moms to be friends. Informational post Bushra !
This is a useful post for couples who are planning kids as insurance can help reduce the financial pressure from parents.
health insurance plans are always important. these days everything is so expensive and insurance plans help in long term.
I have been reading a lot about the Maternity cover under health insurances, this is definitely a boost for those who are planning to get the treatment done with better care or are in dire need to some special treatments
It’s very important to take the right Maternity coverage Insurance plan , as the plans cover right from pre to post tests coverage and can be great for a mom to be.
I feel this is really important that we should opt for health insurance plan!! Thanks for sharing such an informative post!!
I wish I had read your post before having my son, I would have chosen a different health insurance scheme. Sharing it ahead.
I think it’s very important to have health insurance to avoid unnecessary financial stress whenever there is sickness in the family. Thanks for sharing great insights.
people should read the coverage before purchasing insurance policies
Maternity coverage coming with a waiting period and being an add on is actually the reason many people miss this cover many times
This surely is a topic that a lot of people ignore or aren’t aware of, loved the bit it was damn informational and helpful. Thank you so much for sharing this amazing bit!
Its a big problem when insurance has a waiting period and people often miss
This is such a fabulous insurance option. We really want that peace of mind regarding pre and post maternity care and expenses. Thanks for sharing.
I opted for a full heath cover during my pregnancy and I couldn’t be more happier. It’s so important to have the right and full coverage maternity insurance.
Nice post, I had taken health insurance for maternity and it covered most of the hospital bills and charges.
I don’t knew we have any such insurance for maternity, that very thoughtful for the well being of mother and new born
Health insurance is very important, especially so with the burgeoning medical expenses.It is really prudent to opt for a health insurance plan with maternity plans as this would help considerably in reducing the financial burden and ensure peace of mind.
This is quite a helpful post for newly weds and couple who are getting married. I am going to share this with my friends who are going to marry soon.
Very useful post . People often avoid taking maternity benefits in health insurance . You covered its benefits perfectly
Not many know about health insurance with Maternity cover impact my husband is agent and still I had no clue about this particular clause in health insurances very informative post
Maternal care and childcare can be really expensive… I agree with you… Insurance with maternity benefits is really important!
Insurance is must nowadays. You covered all the important points which will be really benfical for many.
Maternity insurance is really good and all must opt for it. It makes pregnancy smoother, thanks for sharing.
So important to get the coverage during this life changing phase. It’s great that there are plans to cover newborn too. Thanks for sharing
I work in the insurance industry and I don’t even know that these kind of products exist. Thank you for sharing such information.
People dont go for maternity benefits plan. I think its because of lack of awareness. 50K is a big amount if that is covered in this I think many can opt for a good hospital for maternity care.