Maternity Insurance Plan

Benefits of Maternity Mediclaim Policy

Pregnancy insurance can be a good choice for those who are planning a family. This insurance for maternity-related expenses comes with the following benefits:

• Cashless Hospitalization- One of the seamless and essential benefits of maternity health insurance is cashless hospitalisation where the hospital bill is settled by the insurer directly.
• In-patient care- Mediclaim for pregnancy ensures complete in-patient care in case of any complications during the delivery.
• Day Care Treatment- Health insurance with pregnancy cover includes daycare treatments as well.
• Advance Technology Methods- Get access to good health and sustainable treatment with advanced technology under pregnancy cover health insurance.
• Newborn Baby Cover- Mediclaim for pregnancy doesn’t limit the coverage until the delivery. Your newborn is covered up to the first 90 days under health insurance with maternity coverage.
• Pre - Hospitalisation- Maternity insurance plans cover the related medical expenses even 30 days before your hospitalisation.
• Post - Hospitalisation Cover- There may also be follow-up visits to your medical practitioner, required medication, etc. Pregnancy medical insurance covers the related medical expenses incurred after discharge for 60 days.
• Single Private Room with AC- You are eligible to get a single private room with AC under this maternity insurance coverage.
• Long Term Policy- With this feature, you will be able to get 3-year long-term policy with no yearly-renewal worries.
• Discounts- Get a premium discount of up to 10% while opting for a multi-year health insurance for pregnancy.
• Free Look Period- Free Look Period keeps you at ease if you are unsure whether you have taken the right maternity cover insurance. If no claim has been made within this period, we will refund the insurance premium received after deducting the proportionate risk premium for the period on cover, expenses for medical examination, and stamp duty charges, as applicable.
• Optional Cover-No Claim Bonanza- In case of no claim during the tenure of 3 years, you will be given a bonus of 100% of the sum insured under JOY health insurance for pregnancy. An additional premium will be charged, however, to avail this benefit.
• Direct Claim Settlement- We have kept the claim procedures very simple under maternity health insurance. Whether it is an emergency or a planned hospitalisation, all you have to do is to present the Health Card to our network of more than 24800+ Cashless health care providers across India and avail the cashless service.
  If you have opted for a non-networked hospital, inform us directly about the claim. We will process your claim as soon as we receive the specified documents supporting your pregnancy health insurance claim.
• Tax Benefit- Opting for maternity insurance comes with two-fold benefits. It ensures good medical care for mother and infant and enables you to avail tax benefits on the premium you pay for it as per the Income Tax Act 1961*.
• Sum Insured Restoration- Sum insured will be reinstated for a non-related illness once a year if the original sum insured gets exhausted in a year under pregnancy insurance plans.