The rising costs related to quality maternity care and treatment have made many couples contemplate investing in an ideal insurance plan. Whether you undergo a C-section delivery or natural delivery, both can cost a lot, especially if you pick a top-rated hospital in an urban location. Pair these expenses with the medical care costs of the newborn, and the total costs can seemingly exceed your expectations.

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For times like these, people have started investing in maternity insurance plans. A maternity health insurance with standard coverage covers expenses related to labour & delivery, hospital & room rent, infertility treatment, medically necessary terminations, pregnancy complications, and a lot more.

There are limits and sub-limits for each of these expenses, but you can expect decent coverage with a good plan. If you want maximum benefits from your maternity insurance, you should be aware of all the essential details related to it. To make it relatively easier for you, we have shared below all the necessary information about maternity insurance that you must know before getting one. So let’s check the details shared below.

• Know About the Waiting Period

All maternity health insurance plans come with a waiting period; you cannot file claims during this period. So if you are pregnant, you cannot expect to get maternity insurance now and file claims during delivery due in the next few months. You should always cross-verify the waiting period before investing in any insurance policy.

If you have recently married and are planning to have a baby after a few years, now is the perfect time to invest in maternity insurance. It will help you complete the waiting period at the right time. You can consider looking for a policy with the lowest waiting period, but ensure you don’t compromise with the coverage in the process.

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• Be Aware of the Clauses Related to Pre and Post-Partum Care

Some couples assume that delivery charges are the only high costs they should be creating a fund for. In reality, multiple maternity-related costs are incurred before and after delivery. If you don’t consider these expenses while creating a fund, you may face a dent in your savings.

Some pre and post-partum care expenses you should not be ignored include doctor consultation expenses and costs related to diagnostics, regular check-ups, ultrasound, and more. Not all maternity plans may cover these, while some may cover them for a specified period. Hence, before investing in any maternity plan, you should always cross-verify the coverage details related to pre and post-partum care.

• Check the Delivery Charges, Room Rent Limits, Etc.

Irrespective of your choice of health insurance plans in India, you will always have certain limits assigned to each expense category like ambulance, room rent, ICU charges per day, etc. If you don’t want to bear most of the bill expenses from your own pocket, always pick maternity insurance offering generous limits and sub-limits.

For example, some insurers will give you a certain percentage of the sum insured or a fixed amount as the maximum claim for the room rent, ambulance, etc. It means you cannot claim anything beyond this figure. Hence, picking a policy with generous limits on every expense category becomes crucial. You can learn more about the limits by visiting the policy page on the insurer’s website.

• Other Miscellaneous Terms & Conditions

You must be aware of many terms and conditions related to maternity insurance. For example, some insurance companies allow only two deliveries during a lifetime for a particular insured. So if you are planning to have a third child, some insurance companies may not cover the maternity expenses. You have to get such details verified before buying an ideal insurance policy.

Some insurers even have a clause related to the maximum age of the mother, i.e., they don’t cover the maternity expenses if the woman crosses 45 years of age. Such terms are not the same and aren’t present in all maternity plans, so you have to learn more about other relevant terms and conditions in the details of your shortlisted policies.

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• Look for the Full List of Exclusions

You should never assume that certain expenses will be covered in your shortlisted insurance policy because other insurers cover them. Not all maternity plans are the same, so you must learn about your shortlisted plans before making any decision. Some general exclusion includes expenses related to cell harvesting and storing expenses, ectopic pregnancy, pre-natal and post-natal expenses, etc.

In some cases, the list of exclusions can be long, so always ensure you double-check what will not be covered by a particular insurer. It will help you set clear expectations from the maternity policy from day one, so you can plan accordingly.     

• Double-Check the Sub-Limits

If you are planning to invest in maternity insurance, be sure to check the sub-limits put forward by the particular insurer. The sub-limits can be imposed on some or almost all expense categories like the newborn baby cover, hospital room rent, etc.

You can look for maternity insurance that offers generous sub-limits. You can only find it out after thoroughly checking the complete details related to sub-limits, you can only find it out. While some insurers may allow you to claim entire expenses toward any maternity-related expense (up to the sum insured), others may not.

Stay Financially Secure During the Most Important Phase of Your Life

If you want to secure peace of mind and ensure your savings don’t depreciate during the maternity phase, you should invest in the best maternity insurance. This insurance is designed to give couples a long-term benefit, preferably after one or more years from taking the policy.

You can make your parenthood journey smooth by investing in maternity insurance that covers all the maternity-related expenses related to delivery, hospital room rent, infertility treatment, medically necessary terminations, and more. If you’re searching for the perfect maternity insurance, consider all the above points.

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