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National Health Insurance for Maternity
Maternity plans are specialized health insurance policies designed to assist expecting mothers with prenatal and postnatal care during pregnancy. Motherhood is a transformative journey, and financial worries should not overshadow these special moments. Maternity insurance is an excellent way to ensure that you and your partner are not financially burdened by medical care costs during this critical period of your life. Maternity insurance plans cover hospitalization costs, delivery costs, newborn vaccination costs, and, in some cases, congenital diseases. Purchasing maternity insurance is a wise decision that newlywed couples should make in the early years of their marriage to help them manage their family planning in a stress-free manner.
National Health Insurance offers multiple plans suitable for individuals with different requirements. The insurer has a large customer base and provides reliable medical care solutions. National Insurance Maternity Coverage offers a multitude of benefits and features that allow individuals to focus on parenthood rather than hospital bills.
Key Features of National Insurance Maternity Coverage
National Insurance Pregnancy Coverage offers multiple benefits and features to policyholders, as mentioned below:
- Tax Benefits
National Insurance Maternity Coverage Plans are eligible under the Income Tax Act 1981. The plan premiums paid will be eligible for tax deductions. - Cover Delivery Cost
National Insurance Maternity Coverage Plans cover policyholders for delivery expenses, whether a natural delivery or C-section, for up to ₹1 Lakh. The delivery cost without a maternity health cover can cause a major burden on your finances. - High Sum Insured
National Health Insurance Plans covering maternity expenses offer a high sum insured to their policyholders. National Insurance Maternity Coverage Plans offer a sum insured of up to ₹50 Lakh or more, depending on the individual's requirements. - Optional Covers
National Insurance Maternity Coverage plans are loaded with multiple features, including optional critical illness coverage. Individuals can avail high critical illness cover up to ₹25 Lakh to cover the cost of medical care for critical illnesses. - Discounts
National Insurance Maternity Coverage offers various discount offers to their policyholders, such as loyalty discounts, covering more than two family members under the same policy, online policy purchases, and more.
National Insurance Maternity Coverage Plan Eligibility Criteria
- Entry Age (Child): Minimum: 91 Days, Maximum: 18 Years
- Entry Age (Adult): Minimum: 18 Years, Maximum: 65 Years
- Plan Type: Individual/Family Floater
- Policy Term: 1/2/3 Years
- Sum Insured: 2 L | 5 L | 10 L | 15 L | 30 L | 50 L
- Initial Waiting Period: 30 Days
National Insurance Maternity Coverage Plan Inclusions
The various inclusions under National Insurance Pregnancy Coverage include:
- Maternity Cover
- Air ambulance
- Organ donor expenses
- Inpatient hospitalization expenses
- Pre- and post-hospitalization expenses
- Day-care procedures
- Pre-existing diseases after a specific waiting period
- Critical Illness
National Insurance Maternity Coverage Plan Exclusions
The various exclusions under National Insurance Pregnancy Coverage include:
- Infertility, congenital external
- Any hospitalization primarily for investigation/diagnostic purposes
- HIV infection/AIDS
- Cosmetic or sex-change treatment/surgery
- Alcohol consumption, smoking, other tobacco intake, or drug abuse
- Intentional self-injury, suicide, or attempted suicide
- Any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion
- War, terrorism, or nuclear weapons
