Have a worry-free pregnancy with health insurance!

Are you planning to conceive a child? Embarking on parenthood can be the most exciting phase of your life. But the process of bringing a child into the world can also be expensive, considering the fact that the cost of healthcare services has gone through the roof. So you need to carefully consider the expenses much before you kick off the attempts to have a child.Did you know that health insurance for pregnancy exists? What is it and what does it cover? Scroll down for more information.

What is health insurance for pregnancy?

It is actually a rider that comes with your regular health or family insurance policy. Or it could also be part of the group insurance (that you are entitled from your employer) as an add-on benefit. The Maternity benefit rider takes the burden of pregnancy expenses off your shoulders, as you will not be required to pay these expenses from your own pocket.

What is the coverage that maternity insurance offers?

Depending on your policy, most maternity insurance plans offer you these benefits-

1. Pre and post hospitalization charges

Pre hospitalization charges (up to 30 days) and post-hospitalization expenses incurred up to 60 days after admission to the hospital will be paid by your insurer.This coverage includes-

• Doctors’, anaesthetists’  and nurses’ fees
• Room rent
• Medicines
• Ambulance charges

2. Cost of delivery and postnatal care

All expenses related to delivering the baby by either caesarean or normal delivery will be included in this plan. Moreover, should any complications arise during delivery, the policy will also cover the additional treatment charges.

3. Care for the new-born

If an examination of the baby detects any congenital disorder or an illness, then the treatment required will also be covered by the maternity benefit plan.

When should you consider getting this rider?

The best time to purchase a maternity rider is long before you conceive. If you apply for a cover after you become pregnant, insurers will refuse to cover the expenses related to pregnancy. This is in line with the pre-existing conditions clause. Pregnancy will be considered ‘pre-existing’ if you purchase the cover when you are already pregnant. And you will be told to wait the statutory 3-4 years before you can avail of the benefits.What will not be covered by health insurance for pregnancy?Here are a few things that you cannot expect from the maternity policy-

• Cost of vitamins, supplements and tonics unless they are included in the plan
• Regular health check-ups
• Diagnostic tests and follow-up tests during pregnancy

Conclusion

Health insurance for pregnancy is a wise investment if you are planning to have a biological child in the future. Get this rider much in advance.