Why do you need Health Insurance that covers Pregnancy? | Having a kid is one of the most exciting and beautiful moments of one’s life, and it’s also one of those moments which happen once in a lifetime. Therefore, you would want to make it extra special by giving both the mom and baby the best care possible.
A standard cesarean – procedure can run into lakhs these days, and that is why it’s important to have health insurance that covers pregnancy in place as it leaves you to breathe freely. At the same time, you welcome the newest member into the family.
Let’s look at a few things that are covered by the policy:
- Maternity-related hospitalization: the policy usually covers all hospitalization expenses from 30 days before childbirth to 60 days post-delivery.
- Pre- and post-natal care expenses: It covers all regular and caesarean delivery expenses, including any expenses incurred in case of any complications post-delivery.
- Hospitalization charges: the policy covers all charges, including room rent, nursing, surgeon fee, etc. It also includes coverage for anaesthetist fees, ambulance charges, and medicines, etc.
- Coverage for the new-born: The policy generally offers coverage for the new-born for up to 90 days. However, you must always check with the insurer on what’s covered and what’s not.
Care health insurance offers one of the most comprehensive maternity coverage in India. Their complete plan includes coverage for maternity care, new-born cover, pre-and post-hospitalization expenses, in-patient care, costs of various daycare procedures, and ambulance coverage.
Health insurance that covers pregnancy typically has a waiting period of 2 to 4 years; therefore, it’s important to get coverage well in advance before planning to have a child. Normally the maximum permissible age of entry for such a plan is 45 years, which should give aspiring couples enough time in hand to plan their insurance requirements.
According to a report, around thirty-six per cent of insured individuals with health coverage in India have a plan that covers only hospitalizations. Therefore, to ensure all-around protection, you must ideally get a health insurance that covers pregnancy to take care of any maternity-related costs.
Now that we have talked about what’s included in maternity coverage let’s look at what’s typically not covered to help you plan better
- Any Pre-existing disease that affects pregnancy: In case one has pre-existing conditions such as hypertension or epilepsy, you will have fewer chances of being covered as they could affect your pregnancy.
- Congenital Diseases: Any medical conditions inherited by the child at birth, such as heart or down syndrome diseases, will not be covered by this type of insurance.
- Infertility-related treatments: Any type of IVF treatment isn’t covered under this insurance.
- Unprescribed medication: Medicines prescribed by your doctor are ideally covered; however, any additional supplements you take which are unprescribed won’t be covered under this insurance. Also, any medicines which are non-allopathic in nature aren’t included.
When it comes to buying health insurance that covers pregnancy, the benefits far outweigh the few aspects that aren’t covered. Therefore, you should never delay having insurance in place before deciding to have a baby, as health care costs are constantly on the rise. A health insurance that covers pregnancy makes the entire pregnancy process a stress-free experience as opposed to not having one, where you might have to make certain compromises due to the cost associated with maternity-related expenses.
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