Maternity Health Insurance

Niva Bupa Health Insurance for Maternity

Niva Bupa Maternity Insurance is specially designed to provide comprehensive coverage for expecting mothers and their newborns. The inclusive maternity plans offered by Niva Bupa cover both normal and cesarean deliveries, along with post-delivery complications. Since maternity costs are skyrocketing, it has become essential to buy insurance for new mothers and newborns.

Key Features of Niva Bupa Maternity Insurance

• Cashless Hospitalization: Niva Bupa has a vast network of hospitals where policyholders can avail of cashless deliveries, be it normal or C-section.
• Waiting Period: Niva Bupa Maternity Plans come with a waiting period of 1 to 3 years. Therefore, it is advised that you buy a maternity plan as early as you plan a child.
• No-Claim Bonus: For every claim-free year, you can get a no-claim bonus added to your sum assured.
• Prompt Claim Settlement: Niva Bupa settles its maternity insurance claims as early as possible to help new mothers have seamless deliveries.

Benefits of Niva Bupa Maternity Plans

Niva Bupa maternity insurance plans come with the following benefits:

• Maternity Expenses Coverage: The policy covers various expenses related to maternity, including prenatal care, hospitalization, delivery charges, and postnatal care.
• Newborn Baby Coverage: The insurance policy also provides coverage for medical expenses incurred by the newborn baby during the specified period.
• Pre and Postnatal Consultations: Niva Bupa Health Insurance for Maternity covers the expenses of pre and postnatal consultations, ensuring regular check-ups for the mother's well-being.
• Diagnostic Tests: The policy includes coverage for necessary diagnostic tests during pregnancy, such as ultrasounds and blood tests.
• Ambulance Services: It provides coverage for emergency ambulance services, ensuring safe transportation in case of any complications.
• Room Rent Allowance: The maternity plans offer room rent allowances, enabling the expectant mother to choose comfortable accommodation during her hospital stay.
• No-Claim Bonus: Niva Bupa rewards policyholders with a no-claim bonus for every claim-free year, which can be used to avail of additional benefits or reduce future premium payments.

Who Can Buy Niva Bupa Maternity Insurance?

Confused about whether Niva Bupa maternity insurance is right for you? Read on to find out.

• Couples Planning for a Child: If you are planning to start a family with your partner, Niva Bupa maternity insurance can help cover the costs associated with prenatal care, childbirth, and postnatal care.
• Expectant Mothers: If you are already pregnant and do not have any existing health insurance that covers maternity expenses, it can help ensure that your medical costs during pregnancy and childbirth are covered.
• Individuals with Limited Maternity Coverage: Some health insurance plans may offer limited coverage for maternity-related expenses. In such cases, purchasing additional maternity health insurance can provide more comprehensive coverage for prenatal care, delivery, and postnatal care.
• Self-Employed Individuals: It helps cover the expenses related to prenatal care, delivery, and postnatal care, providing financial protection during this important period and hence providing peace of mind.
• High-Risk Pregnancies: If you have a risky pregnancy due to any factors, Niva Bupa pregnancy cover can help cover the additional medical expenses and specialized care required during pregnancy, delivery, and postnatal care.

Niva Bupa Pregnancy Cover Inclusions

• Pre and postnatal consultations and diagnostics.
• Hospitalization expenses for delivery, including C-section.
• Ambulance services for emergencies related to maternity.
• Room rent allowance during a hospital stay.
• Newborn baby coverage for medical expenses.
• Coverage for postnatal complications (if included in the plan).

Niva Bupa Maternity Plans Exclusions

• Expenses related to infertility treatments or assisted reproductive technologies.
• Maternity expenses incurred during the waiting period.
• Expenses related to voluntary termination of pregnancy.
• Congenital diseases or abnormalities of the newborn baby.
• Any pre-existing conditions of the mother or baby.