Which Health Insurance Plan Covers Pregnancy?

Which Insurance Covers Pregnancy?

Various types of health insurance plans cover pregnancy-related expenses, whether it be a comprehensive health policy or a maternity-specific plan. The rules for claiming maternity benefits rely on the type of policy and its provider.  

Take a look at all the plan options that you may consider opting for to get maternity coverage:

Individual Health Insurance Policy

As the name suggests, individual health insurance plans focus on one person's health needs.  Certain individual plans provide maternity benefits. However, there is a waiting period before you can claim maternity benefits.

Family Floater Plan

Family floater insurance plans cover multiple family members under one policy, including the policyholder, spouse, children, and sometimes parents or in-laws. These plans also cover maternity expenses for the policyholder and their spouse.

When exploring family health insurance maternity coverage, a family floater plan is often the most convenient choice. It allows you to cover maternity expenses for the policyholder and spouse under a single policy, along with other family members. This way, you can manage pregnancy-related costs without purchasing separate individual plans.

Please note: Both individual and family plans do not include maternity expenses in the basic coverage options. However, you can opt for a maternity cover add-on to stay safe from all the pregnancy costs without buying an additional policy.

Maternity Health Insurance Plan

This health insurance policy is specifically designed to cover medical expenses related to pregnancy and childbirth. It offers essential financial protection for expectant mothers during their journey.

What is a Maternity Insurance policy?

A maternity insurance policy is a type of health insurance which specifically covers medical expenses associated with childbirth, including delivery (both normal and C-section), doctor consultations, hospitalisation, and prescribed medications.

What are the expenses covered under Maternity Insurance?

Here are all the expenses that are covered under maternity health insurance plans:

• Normal and caesarean delivery costs
• Ante, pre- and post-natal expenses
• Nursing and boarding expenses up to a certain limit
• Room rent and ambulance charges
• Newborn baby care
• In-utero foetal surgery/repair
• Domiciliary hospitalisation expenses up to certain limits  
• Internal congenital disorders
• Paediatrician consultation 

Here is a list of expenses that are excluded from maternity health policies:

• Pre- and post-hospitalisation
• External congenital anomalies
• Dietary supplements and substances
• Intentional self-injuries or suicide
• Non-medical expenses
• Treatment for addiction to intoxicating substances
• Injuries related to nuclear weapons.

Benefits of Buying Maternity Health Insurance

A maternity insurance benefit helps offer coverage for all delivery-related expenses for normal and caesarean deliveries, like the costs of medicines, doctors' and nurses' fees, hospital room rent, medical tests, etc.

Health Insurance Plans for Pregnancy  

Have a look at the most-demand health policies that cover pregnancy:

• Star Women Care Insurance Policy
• Star Comprehensive Insurance Policy
• Young Star Insurance Policy
• Super Surplus Insurance Policy 

Factors to Consider When Selecting Pregnancy Health Insurance

When selecting insurance coverage for pregnancy-related expenses in India, it is important to consider the following factors:

• Eligibility: Eligibility for a maternity plan typically depends on age, health conditions, and other factors. The criteria will vary from insurer to insurer. So, before comparing plans, you must check your eligibility.
• Waiting Period: The waiting period for maternity coverage can range from 12 months to 36 months. So, it is essential to plan and choose a policy that aligns with your pregnancy timeline.
• Coverage Limits: Be sure to check if there are any caps on maternity coverage and whether newborn baby care is included.
• Exclusions: Review exclusions related to high-risk pregnancies, pre-existing conditions, or elective procedures that may not be covered.
• Medically necessary abortion: In case of any kind of complication that can affect you or your child, you might need to terminate the pregnancy as per your doctor’s suggestion. Most insurers cover lawful medical termination of a pregnancy, and there are no restrictions.
• Premium Costs: The premium for policies with maternity coverage is often higher than for basic health insurance policies. Therefore, be sure to consider the cost of premiums when selecting a plan.

When you are all set to embark on the journey of motherhood, costs should be the last thing to worry about. As mentioned above, you can buy a maternity plan or simply opt for an add-on depending on your needs and your current health coverage options and enjoy this blissful journey stress-free.

How can you enhance the buying of your maternity health insurance?

Have a hassle-free experience: By buying maternity insurance, you can secure insurance coverage for your maternity needs.

• Select the right one: There are online platforms available that help in the customisation of your maternity health insurance plan as per your needs. Whether it's coverage for delivery expenses, prenatal care, or postnatal services, you can tailor your plan to suit your needs perfectly.
• Make Easy Comparison: Online platforms help compare different maternity plans. You can analyse coverage, premiums, and additional advantages, thus ensuring you find the correct fit for your needs.
• Understand Clearly the Information: Each maternity insurance will have terms and conditions. You can better understand the terms, conditions, and coverage information through the online platforms, thus making the process straightforward.
• Choose Affordable Premiums: Maternity insurance is available with cost-effective premiums. One can choose comprehensive coverage at a budget-friendly cost.
• See for Faster Claims: When there is a need to make a claim, if you have bought online, that process ensures efficient handling. With less paperwork and faster approvals, you'll get the financial support you require without unnecessary delays during this critical time.

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→ Are Raisins Good for Pregnancy