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Maternity Cover in Health Insurance – These Are Things You Should Consider When Buying

A woman goes through different phases in life and becoming a mother is one of the most important ones. The female body not only undergoes physical changes but also several hormonal and psychological changes that have a long-term impact on their body. For females, becoming a mother unlocks a different part of their lives but it also may bring some hurdles in terms of health complications. These may either be at the time of childbirth or later in life. At all these times, prioritizing health is critical and health insurance is the best way to ensure comprehensive coverage.

For females, pregnancy is one situation where even after taking the precautions there is room for complications that may develop. These complications not just impact the mother, but also the newborn. Hence, health insurance with maternity cover comes in handy. While you can purchase these policies traditionally from an insurance agent, they are also available directly from the insurer using the online health insurance facility. Among the plethora of maternity insurance plans that are available, here are some things to consider when buying:

  1. Inclusions of the insurance cover

Irrespective of the type of insurance policy you purchase, you must consider the inclusions in your policy. Similarly, when buying maternity health cover, it is crucial to check the scope of the insurance plan. Medical visits to the gynecologist and periodic medical check-ups are also required during this time. For all these check-ups and pre-delivery charges, the expense can be steep, and thus, a maternity health cover with the right set of policy inclusions is essential to look for. *

  1. Sub-limits in your insurance cover

When choosing maternity policies, it is essential to look for any limitation in the scope. Some insurance policies have a cap on certain expenses that limit their coverage. For instance, an insurance plan might limit the room rent expenses and any amount over such a specified limit will be required to be borne by the policyholder. Thus, it is crucial to know and be aware of any limitations in the coverage. Selecting a plan that offers the least sub-limit on the expense will help to avail comprehensive insurance coverage and avoid any unexpected surprises and unnecessary hassles during a claim. *

  1. Waiting period of the insurance cover

Other than the above-mentioned sub-limit, it is essential to check the waiting period too. It is that duration for which the insurance company does not compensate for the specified treatment as mentioned in the policy document. Generally, the waiting period for maternity plans range between 24 to 48 months. Thus, any pregnancy during such a period will be excluded from the maternity policy’s scope. Hence, before you plan on starting a family, it is necessary to buy a maternity health cover to cover all possible expenses of childbirth and delivery. *

  1. Premium of the insurance cover

Premium is the final consideration when buying a maternity cover. Considering the different benefits of health insurance plans, the price is levied. So, the broader the coverage, the steeper the price will be. When buying maternity cover as a part of health insurance plans for family, make sure to balance the policy features vis-a-vis its premium amount to balance the cost and the features. *

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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