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Secure Your Parenthood: Digit Health Insurance With Maternity Cover
Digit Health Insurance with maternity cover acts as an additional safety net, ensuring a smooth and worry-free transition into parenthood. It covers hospitalisation, newborn care, vaccination charges, and medically necessary maternity-related surgeries. Digit Health Insurance for maternity offers lifelong renewability and long-term benefits, allowing you to plan your second child without financial stress.
This article details the benefits, features, eligibility criteria, inclusions, and exclusions of Digit Health Insurance maternity cover.
Features of Digit Health Insurance For Maternity
Here are the key features of Digit Health Insurance with maternity coverage:
- Minimum sum insured starts from INR 2 Lakhs.
- Maternity cover is available on an individual and family floater basis.
- Lifelong renewability.
- Hospital cash benefit.
- Cumulative bonus for each claim-free year.
- Sum insured refill benefit.
- Second medical opinion for critical illness.
Digit Health Insurance Plans With Maternity Coverage
Here are a few Digit Health Insurance plans 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
Below are the eligibility criteria, sum insured, and waiting periods for Digit maternity health insurance plans:
Entry Age
- Min.: 18 years
- 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: The maximum age limit for maternity coverage is generally 45 years, but this can vary by plan. Always refer to your policy document for exact figures on sum insured and entry age limits.
Key Benefits of Digit Health Insurance With Maternity Coverage
Before purchasing a Digit maternity health insurance plan, understand its key benefits:
Financial Security
Be worry-free about the rising costs of childbirth. Enjoy parenthood with minimal financial stress, as the insurance covers significant expenses, allowing you to save for your child’s upbringing.
Maternity Hospitalisation Cover
Digit’s maternity plans cover hospitalisation related to maternity, newborn care, delivery expenses, and vaccination charges.
Long-Term Benefits
Receive an additional bonus with coverage benefits for future maternity care, including a second child.
Medically Necessary Termination
Digit Health maternity cover will lawfully pay for expenses related to medically necessary termination of pregnancy.
Tax Benefits
Avail tax benefits under Section 80D of the Income Tax Act, 1961.
Inclusions of Maternity Cover in Digit Health Insurance
Digit Health Insurance maternity cover includes the following:
- Delivery expenses (normal and caesarean)
- Medically necessary and lawful termination of pregnancy
- Complications during pregnancy and childbirth
- Specified infertility/fertility treatments
- Newborn child treatment expenses and vaccination charges (up to 90 days from delivery date)
- OPD treatment not requiring hospitalisation
- Miscarriage resulting from an accident
- Pre and post-hospitalisation expenses related to pregnancy
Exclusions of Digit Maternity Cover Health Insurance
Digit Health Insurance maternity cover generally excludes the following:
- Self-inflicted injury
- Alcohol or drug abuse
- Pre-natal and post-natal expenses (unless specifically covered by the plan)
- Pre-existing conditions (without serving the waiting period)
- Injuries/accidents from risky or life-threatening adventure sports
- Unlawful termination of pregnancy
- Artificial life maintenance expenses
- Harvesting and storage of stem cells for preventive measures
- Non-allopathic treatment expenses
- Other exclusions as specified in your policy document.
Note: The inclusions and exclusions listed are general. They may vary depending on the specific Digit Health Insurance maternity plan you choose. Always refer to your policy document for precise details.
In A Nutshell
Securing your parenthood is crucial today, given the rising financial and medical expenses involved. However, a health insurance policy with maternity coverage and specialized benefits for pregnancy-related conditions can manage these costs. Digit Health Insurance maternity cover is an excellent choice if you are planning a baby soon or within the next 2-3 years.
Ready to secure your parenthood? For a quick query about Digit Health Insurance plans for maternity, call us at 1800 4200 269 for a free consultation with PolicyX’s maternity insurance experts.
