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Navi Maternity Health Insurance
Maternity is a beautiful feeling, especially for the mother-to-be, and a matter of celebration for families. Navi health insurance with maternity coverage is designed to protect you from financial challenges that may arise during pregnancy. This page discusses the key aspects of Navi maternity health plans, including their benefits, inclusions, exclusions, and how they work.
Read on to learn more about Navi Maternity Health Insurance.
What are the benefits of buying maternity insurance?
Maternity coverage in a health insurance policy offers several benefits for parents-to-be, some of which are mentioned below:
- Pre and post-hospitalization expenses are covered by the insurer.
- Cashless hospitalization benefit.
- Newborn baby care.
- Coverage for medically necessary pregnancy termination.
- Ambulance charges.
When should you buy Navi’s maternity health insurance policy?
The eligibility criteria for Navi maternity health insurance typically ranges from 18 to 65 years of age.
However, the right time to buy maternity cover health insurance is as follows:
- Purchase at a younger age to better manage healthcare expenses during pregnancy.
- Maternity coverage typically has a waiting period of 12-24 months or more, so plan your purchase accordingly.
- Consider buying maternity insurance at least 1-2 years before marriage.
How does Navi’s maternity and newborn cover work?
Navi health insurance offers maternity coverage as part of its comprehensive health plans. To maximize benefits, women should opt for a plan that includes both maternity and newborn baby cover.
Navi health insurance maternity plans provide coverage up to INR 30,000 for up to 2 deliveries (normal and C-section), along with lawful/medically necessary pregnancy termination after a waiting period of 3 years. The insurer will also pay up to INR 10,000 for newborn hospitalization expenses.
What are the inclusions & exclusions of Navi maternity health insurance?
| Inclusions | Exclusions |
| Delivery or childbirth expenses (normal and C-section) | Sterility or infertility treatments |
| Pre and post-natal care | Pre-existing conditions affecting childbirth |
| In-patient and out-patient hospitalization | Routine health check-ups and diagnostics |
| Newborn baby vaccination charges | Congenital diseases |
| Medically necessary pregnancy termination | Weight loss or obesity treatments |
| Complications from pregnancy surgeries | Congenital disease treatment, HIV/AIDS, & STD treatments |
| Accidental abortion care | Maternity care claims before waiting period completion |
Note: This is only a representation of some of the general inclusions and exclusions under a health insurance plan that covers maternity and newborn care. Go through the terms and conditions of your policy documents for a full list of inclusions and exclusions.
Summary
A health insurance policy with maternity coverage can save you from the heavy medical expenses of pregnancy, childbirth, newborn baby care, etc. It also provides pre and post-hospitalization expenses, ambulance charges, and more.
For any query related to Navi maternity insurance plans, call us at 1800 4200 269.
