Pre and Post Natal Expenses

Having a baby is the most joyous part of our lives. The feeling one experiences while holding their baby for the first time is priceless.

Are you also planning to start a family soon? If yes, then you must realise that bringing a new life to the world is a big responsibility. With excitement & happiness, this new phase of your life comes with expenses. Therefore, rather than worrying, you must make sure that you are well-prepared in advance.

With an effective Maternity Health Insurance plan, you're ready to embrace parenthood with utmost pleasure.

Maternity insurance is a part of Health Insurance that offers coverage for all pregnancy-related expenses such as delivery expenses & newborn baby expenses up to the pre-decided limit during the policy term.

What is Pre & Post Natal Cover?

Pre & Post Natal expenses fall under the category of Maternity expenses. Such expenses can be covered if you have a Health Insurance policy that provides financial security against Maternity related expenses.

Under Pre & Post Natal cover, one gets the coverage against prenatal costs such as medical check-ups, ultrasounds, various tests, medicines etc. One can avail coverage before pregnancy and can ensure a smooth journey all along during their pregnancy.

Along with this, postnatal costs such as medical check-ups, treatments and vaccinations of the baby etc are covered. All medical consultations and procedures that are required to ensure the safety of the baby till childbirth are covered under such plans.

With Pre and Post Natal coverage, you can ensure that you and your child will get complete protection, not only during pregnancy but even before and after that.

For women, the journey of pregnancy is emotionally, financially and physically challenging. With the support of her friends and family, she can be mentally and physically strong, however, to keep herself financially stable, one needs to have a Health policy with Maternity coverage.

Availability under Health Insurance

Eligibility Criteria

Moreover, some health insurance companies have a cap on the number of maternity claims up to 2 deliveries, which means a person can get maternity benefit for 2 deliveries only. Therefore, it is advisable to thoroughly read the Terms & Conditions before investing in any plan.

What if My Health Policy Does Not Offer Maternity Coverage?

Health Insurance plans that cover Maternity often come with in-built sub-limits. For example, if you have a Health cover of 3-5 Lakhs, you will get the Maternity coverage of around Rs. 25,000-50,000.

However, if you have a Health Insurance policy which does not cover Maternity Expenses, you can opt for a Maternity Benefit Rider to your base Health Plan.

What is Covered under Maternity Health Insurance?

Exclusions of a Maternity Insurance Plan

Though there are many benefits to having Maternity Insurance, here are a few aspects that are not covered:

Claim Process to Avail maternity Coverage

You can avail both Cashless (when you're admitted to a Network Hospital) and Reimbursement (when you're admitted to a Non Network Hospital) facilities.

You can follow the below mentioned steps to file a claim:

Claim Settlement

Documents Required for Claim Process

Summing it up

Pregnancy is an important phase of a couple's life. However, with the continuous rise in the costs of healthcare and medical expenses associated with pregnancy, having an effective Maternity plan has become an utmost necessity. Thus, in order to embrace parenthood without any financial crunches, it is recommended to have a good financial backup to meet the requirements of a mother & the baby.

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