What is Pregnancy Insurance?

Pregnancy insurance, commonly called maternity insurance is a financial coverage to help with expense related to pregnancy and childbirth. These financial benefits cover pregnancy, pre- and post-natal care.

What Does a Maternity Insurance Plan Cover?

A maternity financial plan has several policies, terms and conditions. Therefore, it is important to know what this insurance plan covers:

Prenatal Care
Prenatal care includes regular check-ups and specific tests such as blood tests and ultrasound. Your plan must also consider frequent visits to physicians during this period. At times, you may also need additional treatments for gestational diabetes. It is one of the specialised care that individuals may receive during the prenatal phase. 

Delivery
This exercise involves a significant portion of the maternity financial plan. It addresses issues related to childbirth, hospitalisation charges and fees of doctors and nurses. Do research and find out factors that can incur costs during this period. Cost can also depend on the type of delivery (normal or C-section) you want. 

Postnatal Care
It is a crucial stage for mothers as well as their children. Your maternity expenses during this phase will generally include check-ups and consultations. On the other hand, expenses may include routine check-ups and vaccinations for the baby. You may also require specialised care if you come across postpartum complications. Proper planning for this stage ensures your and your child’s good health without any financial stress. 

Newborn Coverage
After the baby is born, there are several aspects that may incur high expenses. Some of them are treatment, vaccinations and screenings to look for congenital issues. Expect some additional expenditure in case of specialised care. You must ensure that you have medical coverage that can take care of all these aspects. Ensure financial security and access to necessary medical support for your child.

Cashless Treatment in Network Hospitals
You can receive cashless treatment under maternity health insurance in network hospitals without worrying about upfront payments. Your insurer will directly settle the bills with the hospital for covered expenses such as delivery, hospitalisation, and prenatal care. This ensures financial ease, reducing the burden of arranging funds during childbirth.

Ambulance Charges
A lot of people overlook the need for an ambulance. However, it can be of immense help during times of emergencies. A complete pregnancy insurance plan must include ambulance charges for pregnancy. 

How Does a Maternity Insurance Plan Work?

There are policies in place to ensure that the pregnancy health insurance is functioning. Some of its aspects are:

Waiting period
Most of the packages will provide you with the maternity benefits only after the waiting period is over. There is no specific time period for this as it may range from 9 months to 4 years. This means that you must buy the policy well before you actually receive the benefits of the plan.

The Insured Amount
The total amount insured according to the health insurance policy is the amount you can claim. This includes everything from pre-and post-natal care to the charges related to the newborn. The amount depends on the insurance provider and the premium you are paying. It is important that you choose a plan that has an adequate insured amount. It will take care of all the potential costs. 

The Process of Claiming
When the time is right after the waiting period, you can claim your amount to your insurance provider. This may include the submission of medical bills and other related papers. It will be easy for you to opt for cashless claims in-network hospitals. You can look for a reimbursement at the non-network ones. 

Be Aware of Sub-limits and Co-pays
Gather information on the sub-limits of some particular charges like room charges and doctor’s fees. You may have to pay out-of-pocket if you surpass the limits. If your insurance plan mentions a co-pay model, this means that you have to pay a portion of the claim yourself. 

A well-planned maternity financial cover can help you navigate your pregnancy and childbirth without any financial stress. It will provide you with peace of mind and ensure your and the baby’s good health. 

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