Why it is Important to opt for Health Insurance for a Mother and her Unborn Child

HEALTH INSURANCE



The adage “Motherhood is the greatest and the hardest thing” is true in every sense of the word. The birth of a child is the most precious moment in a woman’s life. However, many people misunderstand the significance of insurance, even for a child who is about to take birth.

The National Safe Motherhood Day (NSMD) is celebrated annually on April 11 to spread awareness about appropriate healthcare and maternity benefits to pregnant women. This day is an initiative of the White Ribbon Alliance India to offer women the accessibility of numerous medical programs during pregnancy. With NSMD round the corner, let’s know why insurance is a necessity for a woman and her unborn child. You can avail the best maternity insurance cover and protect yourself from the huge pregnancy related expenses. Religare Health Insurance offers Joy-Health Insurance for mothers with newborn baby cover. 

Importance of Maternity Health Insurance 

A maternity health insurance plan is created to cover all the maternity healthcare expenses for pregnant women and their new-born babies. Religare Health Insurance provides maternity health insurance to parents catering to all healthcare and maternity needs. It not only covers hospital expenses during delivery but also provides support in their most important phase of life. The maternity health insurance ensures that the parents are financially secure during the time of medical exigency. It covers hospitalization expenses during pregnancy and pre-and-post-hospitalization medical expenses. 

It is advised to opt for health insurance that covers maternity expenses to safeguard against all the expenses. Be sure to apply for this maternity cover before family planning. Religare Health Insurance provides a waiting period of 9 months. Hence, it is advised to apply at the earliest as it will assist in better planning.  

Benefits and Inclusions of Joy-Maternity Health Insurance 

If anyone is looking for a maternity cover then Joy is a perfect choice for them. This health insurance plan covers the medical expenses of a newborn baby up to 90 days since their birth. 

1. Inclusions 

• In-patient care

• No-claim bonanza

• Daycare treatment

• Maternity and newborn baby cover

2. Benefits

• 9 months waiting period for maternity related insurance claims.

• Long-term tenure of 3 years.

• Cashless treatment at network hospitals

• 100% increase in sum insured with No claim bonanza(Optional cover)

3. Policy terms

Minimum entry age for adults: 18 years

                                           Child: 1 day

                                           Newborn: 1 day

Maximum entry age for adults: 65 years

                                           Child: 24 years

                                           Newborn: 90 days

Exit Age: Lifelong

Renewal: Lifelong Renewability

Policy Period: 3 years

Type of cover: Individual or Family Floater Health Insurance

Why opt for Joy-Maternity Health Cover from Religare Health Insurance?

As a parent, it is your responsibility to prepare yourself for the pregnancy and betterment for your baby. Accordingly, one should be prepared well to deal with unforeseen expenses. Hence, it is advised to have health insurance for mother and child. This may reduce the financial burden during medical exigency. 

If you are looking for health insurance for mother and unborn baby, you must choose Religare Health Insurance. It provides cashless treatment at more than 7400 network hospitals.