Health Insurance

Things To Know Before Buying Health Insurance With Maternity Benefit

Motherhood is a beautiful experience for any woman. Right from the minute you get to know you’re pregnant, you just can’t stop preparing for the arrival of the new family member. In these months of pregnancy, you will need a whole lot of healthcare. Be it medicines, routine checkups, or tests, chances are, you will have a huge bill by the time your baby is months old. All the financial strain can become very stressful if you haven’t planned ahead of time. For all these reasons and more, it is important to have a financial backup so that you can keep your mind free from financial burden and take care of your little one without any stress.

A health insurance plan has the provision of maternity benefits that every lady must-have. It is a safe and smart investment of money that will protect you from maternity bill-stack in the future. Let’s unveil some great benefits of maternity covers that will help solve this problem effectively!

Pre and Post Hospitalization

Right from the first month of pregnancy till going into labor, you will need to visit the doctor frequently and take medicines to keep yourself and the baby healthy. The charges incurred during the pre-hospitalization period will be covered under this benefit. Post-hospitalization, which includes healthcare for both you and your newborn and vaccinations, will be covered as well.

Pre and Postnatal Expenses

However many times you need to visit the doctor for childcare, there will be some expenses incurred against doctor’s consultation fees, medication, etc. All these will be taken care of by the insurer.

Delivery Charges

Inpatient hospitalization and delivery charges incurred will be covered under this policy., and more. However, the insured sum differs under different policies. Check with your insurance company for this when you buy health insurance policy.


Your newborn needs several vaccines to be protected from deadly diseases. These expenses will be covered in this policy. Most insurance companies provide vaccination coverage for 1 year. You can get it extended for up to 12 years if required.

Right Time to Buy Maternity Coverage

As soon as you plan to have a baby, buy yourself a maternity benefit to avoid any disruption during your pregnancy. Here are some factors you should consider while buying this cover:

Waiting Period

Insurance companies do not provide maternity benefits immediately after buying the cover. There is 2 to 6 years of waiting period before the coverage activates. This makes it necessary to avail the coverage at least 2 years before conceiving.

Pre-Existing Condition

You cannot avail of this benefit while you are pregnant. This is counted as a pre-existing condition and will not be covered under the insurance policy.

Premium Hike

Modern women are actively delaying their pregnancy to suit their modern lifestyle. However, this also increases complications. This is why the premiums on any insurance policy increase with age. If you delay the purchase, you will end up paying higher premiums for this cover.

If you are planning a baby in the near or even far future, it is the right time to invest your money into a maternity cover. Buy comprehensive health insurance and avail this feature to keep your future savings safe!

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