Top 10 Factors to Consider When you Buy Maternity Insurance


Top 10 Factors to Consider When you Buy Maternity Insurance

Expecting a baby is a joyful occasion for the couple. Every doctor's visit adds to the excitement; hearing the baby's rapid heartbeat builds up thrilling anticipation of the great day when the baby steps into this world. But, it is not lesser than a roller-coaster ride for a woman. That is why she needs the best healthcare. However, the rising medical inflation and resultant skyrocketing delivery expenses can hinder your joy. This what makes maternity insurance vital.

Health Insurance with Maternity Cover

It is a health insurance policy covering maternity expenses and offers numerous benefits for the mother and her newborn.  Whether normal and cesarean, you do not need to worry about the expenditure.  If you are thinking to extend your family, here are some crucial factors that you should consider while selecting a maternity insurance policy.

Comprehensive Coverage- The first thing you should look into the plan is comprehensive coverage. Whether it's pre and post-natal expenses, daycare treatments, doctor's fees, etc., an insured woman should get the coverage for these expenses that help her to avail the right healthcare facilities during pregnancy. 

Cashless Hospitalization- Cashless hospitalization eases the journey for couples. There is no need to get into the arrangement of cash to bear the delivery expenses. Under the policy coverage, most of the pregnancy-related expenditures settled directly. So, opt for the policy that helps you to avail cashless treatment so that you can welcome your baby without financial stress.

Daycare Treatments- Pregnancy often comes with several complications for mothers. Some of them can be treated under daycare. Health insurance with pregnancy covers them too; thus, look for the plan that covers daycare treatments so that would-be mothers can get timely treatment without getting admitted to the hospital for 24 hours or more.

Advanced Technology Methods- Labour room is no more fear. Thanks to advanced technology! New equipment minimizes the complications during delivery, and maternity insurance enables you to avail these healthcare facilities in the leading hospitals. Choose the policy that includes advanced technology methods that help you to deliver a baby without worries.

Newborn Baby Cover- Opt for the plan that offers this bonanza. You do not need to worry about the expenses for vaccinations, doctor's consultation fees, etc., for your newborn. You will get the cover for your baby for the first 90 days. It also covers newborn birth-defects as well, so that the newborn can recover faster and live a healthy life ahead. 

Pre & Post Hospitalisation Cover- Other than delivery, various pre & post-hospitalization expenses burden the couple's financials. Under health insurance for pregnancy, medical expenses for 30 days before and 60 days after the hospitalization are admissible. So, go for the plan that offers coverage for pre and post-hospitalization so that you can manage other financial responsibilities.

Waiting Period- Pregnancy health insurance comes with a waiting period ranging from 9 months to 24 months. It is the duration where mothers cannot get the claim under the policy coverage. So, opt for the plan that gives you a minimum waiting period.

Co-payment- At times, pregnancy insurance comes with co-payment or sub-limits. You should check the percentage and opt for the policy that has minimum co-payment or sub-limits. 

Discounts- This is the best way to lower the premium amount. You can look for online discounts on maternity health insurance that gives reduces the burden on your pocket. 

Tenure- Before saying yes to the policy, look for its duration as well. You should prefer a plan with long-term tenure if you have just started thinking about family planning. In this way, you do not need to worry about your policy renewals. 

>>Read More: Protect your newborn with an Affordable Health Plan


Therefore, getting a maternity policy when planning to start a family could immensely help you welcome your bundle of joy without financial stress. Care Health Insurance offers JOY- the most comprehensive maternity insurance. It is a perfect blend of care and protection for the mother and her baby. So, opt for it now and get ready for this new phase of life happily.

Disclaimer: Underwriting of claims for maternity expenses is subject to policy terms and conditions.

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