Secure Your Parenthood: Digit Health Insurance With Maternity Cover
Digit health insurance with maternity cover acts as an additional safety net and an add-on that ensures your parenthood transition is smooth and worry-free. From hospitalisation to the newborn cover, vaccination charges, and medically required surgeries related to maternity are covered as well. Digit health insurance for maternity provides you a lifelong renewability and long-term benefits, allowing you to plan your second baby without stressing out about the financial constraints.
This article discusses the benefits, features, eligibility criteria, inclusions and exclusions, and more about the maternity cover of Digit health insurance. Read further to know more.
Features Related to Digit Health Insurance For Maternity
Before you scroll down, here are the standing-out features of the Digit health insurance with coverage of maternity that you should know in advance:
- The minimum coverage of the sum insured starts from INR 2 Lakhs
- Maternity cover is available on an individual and family floater basis
- Lifelong renewability benefit
- Hospital cash benefit is available
- For each claim-free year, you get a cumulative bonus to get maximum benefit in the next policy year
- The refill benefit of the sum insured keeps your healthcare safety intact
- Avail a second medical opinion for critical illness, etc
Digit Health Insurance Plans With Maternity Coverage
Here are a few plans of Digit health insurance that cover maternity expenses:
- Digit Health Insurance Policy
- Digit Health Plus Policy
- Digit Supreme Care Policy
- Digit Health Care Plus Policy
Eligibility Criteria For Buying Digit Health Insurance With Maternity Cover
Read below the eligibility criteria, the amount of offered sum insured, and the specified waiting period for buying Digit maternity coverage health insurance plans:
Entry Age
Max: No age limit
Delivery expenses limit
INR 10,000 - 5 Lakhs
Waiting Periods
9 months - 4 years
Policy tenure
1/2/3 years
Note: Generally, the maximum age limit for maternity coverage benefits under the health insurance policy is 45 years. However, this may vary from plan to plan. You should check the exact figures of the sum insured and entry age limit in your policy prospectus.
Key Benefits of Digit Health Insurance With Maternity Coverage
Before purchasing or investing in Digit maternity coverage health insurance plan/s, you must know the coverage benefits of the same. The specifications are given in the table below:
Financial security
Be worry-free of the inflating expenses of giving birth to a child, and enjoy your parenthood with minimal financial investment to yield long-term financial security. Save your money on raising your child, the rest will be covered by the insurance.Maternity hospitalization cover
The maternity plans of Digit health insurance cover hospitalisation related to maternity, newborn care, delivery expenses, and vaccination charges.Long-term benefits
You can get an additional bonus with coverage benefits required for the maternity care of the second child in future.Medically necessary termination
If it’s necessarily required to abort/terminate the pregnancy, Digit Health maternity cover will lawfully pay for the expenses for it.Tax benefits
Avail of the tax benefits under Section 80D of the Income Tax Act, 1961.
Inclusions of Maternity Cover in Digit Health Insurance
The scope of coverage for maternity and other related expenses under Digit maternity cover health insurance are as follows:
Delivery expenses, normal and caesarian
Medically necessary lawful termination of pregnancy
Any complications during the phase of pregnancy and occurring due to childbirth
Infertility/ fertility (specified type of treatments) treatments are covered
Newborn child treatment expenses, vaccination charges up to the specified time of 90 days from delivery date
OPD treatment that does not require hospitalisation
Miscarriage resulted from an accident
Pre and post-hospitalisation related to pregnancy
Exclusions of Digit Maternity Cover Health Insurance
Read below the standard exclusions/what’s not covered in Digit health insurance with maternity coverage:
Pre-natal and post-natal expenses (unless the plan has specified coverage for it)
Pre-existing conditions without serving a waiting period
Risky or life-threatening adventure or sports-related injury/acciden
Pregnancy conditions that involve unlawful termination
Artificial life maintenance expenses
Harvesting and storage of the stem cells incurred due to a measure of prevention
Non-allopathic treatment expenses
Others, as specified in the terms and conditions of your policy document.
Note: All the inclusions and exclusions related to the Digit health insurance maternity coverage are just a common reflection of the maternity insurance plans. However, these may vary from one plan to the other, depending on which plan have you opted for.
In A Nutshell
Securing your motherhood/parenthood has become the foremost important thing in today’s world. There is no way one can get the financial and medical freedom from the expenses related to it. However, the health insurance policies that come with maternity coverage and specialized benefits for pregnancy-related conditions can manage it all. Digit health insurance for maternity cover is the best choice for you if you’re planning a baby shortly or within 2 or 3 years.
So, what’s the wait for? To get a quick query about Digit health insurance plans for maternity, give us a call at 1800 4200 269 and get a free consultation with the maternity insurance experts of PolicyX.com.
Digit Maternity Health Insurance Plan:FAQs
1. Is maternity covered in Digit health insurance?
Yes, maternity expenses are covered by some of the Digit health insurance plans like, Digit Health Care Plus, Digit Health Plus, Digit Supreme Care, etc.
2. What is the waiting period for Digit maternity cover with a health insurance policy?
The waiting period may vary from one plan to the other. However, the general waiting period ranges from 1 to 4 year/s.
3. Can I buy Digit maternity health insurance after getting pregnant?
No. Buying health insurance with maternity cover after conceiving a pregnancy is not allowed with a Digit maternity cover insurance policy.
4. What should I keep in mind before buying Digit maternity cover health insurance?
Here are the prospects that you should check before investing in health insurance with maternity coverage by Digit:
- Waiting period
- Number of children covered
- Eligibility criteria
- Adequate sum insured
- Medically necessary termination of pregnancy, etc
5. What are the instances of mistakes while claiming my maternity coverage insurance?
Not checking the below-given pointers can lead towards getting your claim rejected:
- Buying a maternity plan late, or while you already are pregnant
- Raising a claim without checking the waiting period
- Not analyzing the sum insured limit you may require
