Pregnancy is an important stage in a woman’s life where she requires not just emotional support from her family members but also quality healthcare for safe childbirth. Moreover, proper pre-and-post natal care is also vital as that will ensure the healthy development of the baby and well-being of the woman.
In India, getting quality maternity care especially in private healthcare centers means a lot of expenditure. The cost usually ranges between Rs 50,000 to Rs 5 Lakh. To avoid additional stress in this crucial life stage, one should opt for a health insurance with maternity coverage.
Care Health Insurance offers ‘Joy’ - a customised pregnancy health cover for women that takes care of all the maternity related expenses at an affordable premium.
Here are some of the benefits of pregnancy cover for women
Cover for Delivery Costs
In-Patient Care and Day Care Treatment are two features under maternity health insurance wherein the expenses of hospitalization are settled by the insurer. With advancements in medical treatment procedures, a patient may not need hospitalization for over 24 hours and this daycare procedure is often covered under best health insurance policy in india.
Maternity plans offer coverage for normal delivery as well as a C-Section.
>>Check: Waiting Period in Maternity Insurance
Pre-hospitalization Cover
Extensive medical care is needed for a woman when she is in any stage of pregnancy. Before actual childbirth, she may have to undergo physical examinations and diagnostics tests, take frequent visits to the doctor and follow prescribed medication. The costs thus incurred are borne by the insurer under the health insurance with maternity cover.
Post-Hospitalisation Cover
The period after delivering a baby is crucial for the woman as some complications occur in the first 24 hours. Postpartum care involves clinical examination, routine check-ups, and medications. The best maternity insurance policy such as the one offered by Care Health Insurance offers cover post-hospitalization cover for up to 60 days.
New-born baby Cover
The health of the new-born baby also needs constant monitoring and dedicated medical care encompassing physical examinations, tests, and vaccinations. A maternity insurance plan is designed to provide cover all of the expenses relating to baby care for a maximum period of 90 days.
Cover for other expenses
Under health plans with pregnancy cover, ambulance costs and room charges also borne by the insurer. In some plans, pre-existing ailments are also covered but there is a waiting period, say for 48 months.
Tax Savings
If your objective is to keep your financial expenses to a minimum, you do not need to worry if you are opting for a maternity insurance policy. Since there are tax advantages under the Income Tax Act, 1961 on the premiums you pay for your policy.
Cashless Claim Facility
You can avoid the hassle of paying hospital bills from your pocket if you avail of the treatment at any of the network hospitals of your insurer. That is, using a health card, you can get a cashless claim facility for all your expenses. However, if you go for treatment in a non-network hospital, your expenses will be reimbursed later.
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