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Health Insurance with Maternity Coverage - Read the Complete Guide!

Jun 24, 2021

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Nowadays, it is seen that the purchase of different types of insurance is quite common among people. Every person needs to have their health insurance so that the person is adequately prepared for this anxious time. If you are a woman, it will be great if she gets health insurance with maternity coverage. It will not only prepare the women to undergo this beautiful experience but will help financially. This type of insurance is designed in such a way it can cover all most all the expenses that are made at the time of the pregnancy. The policy includes the cover for pre-natal check-ups, post-natal treatments, and the hospitalization expense at the time of pregnancy, etc. This insurance will surely cut down the financial burden from the shoulders of the person.

Pregnancy is that part of life that should be welcomed with great joy but it also welcomes a lot of expenses. This is the reason for the woman to go for the insurance policy that covers all the complications of the pregnancy. It is very important to get this plan at the right time so that the person can get all benefits from it. Here is the list of the advantages provided by health insurance with maternity coverage.

  • Technology has helped doctors and parents to listen to the heartbeat of the baby when they are still inside the womb. Even certain tests have come up in the market that can detect any of the deformities in the child. The maternity insurance policy will ensure that all the expenditures done at the time of pregnancy are covered under this.

  • Even the healthcare insurance also covers the expenses of the newborn baby for certain days. This can include the cost of the vaccinations that are given to the babies.

  • The maternity insurance policies cover the expenses of both normal and complicated deliveries. Even the claim for protection against congenital diseases is also provided.

  • Even the maternity plans cover some of the post-pregnancy complication expenses.


So to get all these benefits at your time of pregnancy, it is great to get the right health insurance plan. Mostly the maternity health insurance policies have a waiting period of 2-4 years and almost every company provides this coverage to their female employee. Do consider the fact that there is an age cap for the maternity cover so better keep this thing in mind and accordingly get the right type of plan that can help in future planning.

Here is the list of expenses included in the maternity health insurance:

  • Expenses related to both types of deliveries i.e. normal/cesarean section.

  • The expenses related to hospitalization will include the room rent, doctor's and nurse fees, and even the medicines.

  • Full cover is given for pre and post-natal charges

  • Even the child cover for certain complications is also given.

  • Emergency ambulance charges are also included

  • The expenses of vaccination of the baby up to 1 year are included in the plan.


Now comes the list of the things not covered in maternity health insurance:

  • The expense is related to the routine consultation fee of the doctor.

  • The diagnostic test during pregnancy.

  • The cost of the supplements taken by the person is not specified in the policy.

  • Any expenses related to the artificial or in-virto method of fertilization.

  • The expenses related to non-allopathic treatment that is undertaken by the person.

  • Expenses related to the treatment that is needed because of any alcohol or drug abuse.

  • Any additional cost that is beyond the capping limit is not included.


So it is always better to know about all these things so that there are no doubts while claiming the insurance for the pregnancy. Here is the list of the things that the person needs to follow while he is going to make a claim.

  • It is very important to immediately inform the insurance company before the claim and get it registered.

  • If the person is looking for some cashless claims, it is will be better to get admitted to the networked hospital.

  • Do get the pre-authorization forms and get them filled upright for the cashless settlements. This form should be submitted within 24 hours of the hospitalization.

  • Depending upon when the form was submitted the insurance company will approve the cashless claims and the person can avail of all the treatment without paying anything.

  • Soon after the person gets back home, the file for the insurance claim should be submitted to the company and get the claim settled off.

  • If in case the person gest admitted to the non-networked hospital, he needs to show all the medical bills and all the relevant documents that can get the reimbursement of the medical expenses.


So it is highly recommended to get your plan from Care Insurance as they have an insurance plan that is designed in such a way that it will meet all the pregnancy-related expenses. Even it is available at very affordable prices, so go get it now for future benefits.

Tags: English