Is Miscarriage Covered Under Medical Insurance in India?

Understanding Miscarriage Coverage

No, typically, medical insurance in India does not cover miscarriages. However, popular health insurance companies like Star Health have designed plans like Star Women Care Insurance Policy that offer a lump sum amount if a miscarriage occurs due to an accident. The amount depends on the limits of the policy and is subject to a waiting period.

Aside from miscarriages, the Star Women Care Insurance Policy offers robust financial support to women, especially expecting mothers. Keep reading to learn about the inclusions, exclusions and how you can benefit from this plan!

Inclusions under the Policy for Pregnant Women

The Star Women Care Insurance Policy covers the following expenses for which expecting mothers can raise a claim:

● Hospitalization expenses, including room rent, boarding charges, and nursing expenses of more than 24 hours

● Cost of cesarean or normal delivery of the baby for up to a maximum of two deliveries during the policy tenure

● Various prenatal and postnatal expenses, as mentioned in the policy

● Cost of daycare treatments which need less than 24 hours of hospitalization

● Charges for the treatment of a newborn baby, such as the cost of hospitalization, metabolic screening, vaccination, and paediatrician consultation

● Cost of some specific non-medical items that expecting mothers use during their stay in the network hospital for childbirth

● Ambulance charges for travelling to the hospital for delivery

● Air ambulance services during life-threatening health conditions

● Unlimited gynaecologist consultations booked through the Star telehealth application

● Cost of miscarriages due to accidents, which can be claimed only once during the policy tenure

● Expenses of in-utero fetal procedures and surgeries such as the EXIT procedure, fetal image-guided surgery, open fetal surgery, and fetendo fetal surgery

● Pre and post-hospitalization charges for 60 days before getting admitted to a hospital and 90 days after getting discharged from the hospital

Exclusions Under the Policy for Pregnant Women

Expecting mothers cannot raise a claim under the Star Women Care Insurance Policy for the following:

● Non-accidental miscarriages

● Treatment of alcoholism or drug addiction

● Dental treatment

● Cost of dietary supplements and substances

● Intentional self-injury

● Cosmetic or plastic surgery

● Obesity and weight control treatments

Interested in purchasing this plan? Learn about the benefits of this policy that you can get during your pregnancy journey.

Benefits of Star Women Care Insurance Policy for Pregnant Women

Listed below are some of the salient features of the policy, highlighting how it covers the health needs of expectant mothers:

● Mid-term Policy Inclusions: With an extra fee, you can add your newborn baby or adopted child under this plan to financially secure their healthcare needs.

● Numerous Maternity Expenses Covered: Expenses for delivery, in-utero fetal surgery, assisted reproduction treatment, and so on can be covered under this plan.

● Cumulative Bonus Availability: In case you haven’t filed a claim in the previous policy year, you can enjoy a 20% cumulative bonus up to a maximum limit of 100%.

● Cashless Claim for Hospitalization: During childbirth, you can avail of a cashless hospitalization facility. There are 14,000+ network hospitals across India, ensuring timely access to healthcare services without the hassles of upfront payments.

● Zero Pre-acceptance Medical Screening: You do not have to undergo a pre-acceptance medical check-up when purchasing the plan. However, you need to submit scan reports during the 12th and 20th week of your pregnancy.

● Benefits of Shared Hospital Accommodation: If you opt for shared accommodation in the network hospital during childbirth, you can enjoy a daily allowance up to the limit mentioned in the policy documents.

● Availability of Wellness Points: Upon developing healthy habits through a range of wellness activities, you can earn wellness points. This can help you earn exclusive discounts on your insurance premiums.

Furthermore, check out the eligibility criteria that you will have to fulfil to purchase the plan.

Eligibility Criteria of Star Health Women Care Insurance Policy

The eligibility criteria for the purchase of the Star Health Women Care Insurance Policy are listed below:

● Your minimum age must be 18 years, and your maximum age must be 75 years.

● Your child’s minimum age must be between 91 days and 25 years (30 years for unemployed or unmarried daughters)

● You can only add yourself, your spouse, and your dependent children under this plan.

You can purchase this plan either on an individual basis or on a floater basis for a duration of one to three years. Also, you can avail of long-term discounts and instalment options to simplify your premium payments for the plan.