How Much Does Health Insurance Cover for Pregnancy?
Understanding Health Insurance Coverage for Pregnancy Costs
Pregnancy can be a thrilling yet costly experience due to high medical costs, such as prenatal care, hospital stay, and delivery. In this regard, having health insurance is one of the most essential tools that can help you manage such expenses.
But how much does a health insurance policy pay for pregnancy-related costs?
Keep reading for a detailed insight.
Pregnancy Coverage in Health Insurance Plans
Usually, maternity expenses are covered under two different types of health insurance plans: maternity-specific plans and comprehensive health insurance plans with maternity riders. The following are general coverages offered by both types of plans:
1.Maternity Charges
●Most maternity health insurance covers normal and cesarean deliveries.
●These encompass fees for physician consultations, nursing, and charges for the hospital room. The provider may have different rates for the limit on the number of cesarean deliveries.
2.Pre and Post-Natal Charges
●Such policies normally provide coverage for prenatal visits, ultrasounds, and other tests to be done while the patient is pregnant.
●The post-natal stage would encompass follow-up with the physicians and the medications recommended within a time frame following delivery.
3.Newborn Cover
●Most plans provide cover for newborns up to a specific period after birth, including vaccination and other medical expenses.
●A few plans include the baby automatically in the family floater policy immediately after birth.
How Much is Covered?
1.Coverage Amount
●The coverage amount mainly falls between ₹20,000 to ₹1,00,000 for normal deliveries and higher ones for C-sections.
●However, the limits will tend to differ based on the insurance provider and the selected policy.
2.Waiting Period
●Most maternity plans have a waiting period of 9 months to 4 years, which means that you would need a little planning for the benefits to be availed.
3.Room Rent Limits
●Some policies will limit how much coverage you can receive for your hospital room, possibly limiting what kind of room you can choose when the delivery time comes.
4.Exclusions
●Some costs, such as infertility treatments or pregnancy complications, depending on your policy, might not be included. Thus, it is always best to get a complete outline of what is covered in your policy.
Key Considerations
1.Plan Selection
●Select a health insurance plan that provides maternity coverage to meet your expected expenses and medical needs.
2.Network Hospitals
●Choose a policy that can offer cashless treatment at the closest possible network hospitals, including maternity centers near you.
3.Policy Premiums
●Generally, riders or standalone plans for maternity come with a higher premium. It is essential to make sure that the cost factors are worth the value provided.
4.Early Planning
●Since maternity coverage usually includes waiting periods, maternity insurance should be purchased well before one can plan to have a baby.
Maternity plans can truly relieve the financial burden that comes with a pregnancy. Furthermore, a comprehensive health insurance policy with maternity cover can help you deal with medical expenses for a wide range of health conditions.
Check out the plans from Star Health, like Star Comprehensive Insurance Policy, Star Women Care Insurance Policy, etc., to get both types of coverage benefits.
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