Medical costs are skyrocketing in India, as are pregnancy related costs. In a reputable hospital, delivery charges can go as high as Rs 50,000 to Rs 1,50,000, depending on the complications of the process, including both caesarean delivery and normal delivery. In that case, maternity insurance seems to be a blessing.

Including child health coverage, maternity insurance alleviates financial stress in such cases by covering sometimes more expensive medical expenses. According to this expiration plan, each benefit has its own limit subject to the sum insured.

About Maternity Insurance
This insurance product covers shipping costs to a certain extent. Maternity insurance in India is available as a stand-alone policy and additional coverage can be opted for with the base health care plan by paying an additional premium. It falls under the category of health insurance.

Here are some of the facts you should know about maternity insurance in India:

Coverage
Depending on the insurance plan, you can get the following coverage. Please note that some coverage may not be available as it varies from insurer to insurer.
• Pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days.
• Expenses for normal delivery and for cesarean section.
• Hospitalization expenses such as room rent, nursing, OT, doctor’s fees, anesthetist’s fees.
• Expenses related to work care.
• Kindergarten.
• Ambulance expenses for escorting the patient.
• Newborn vaccination.
• Cashless treatment at partner hospitals.

exclusions
• Congenital diseases
• Existing illness complicating the pregnancy
• Treatment for infertility
• Prenatal costs for drugs outside of treatment.
• Constant visits to the doctor, check-ups and consulting fees, etc.

Waiting period
At most insurance companies, the waiting period ranges from 9 months to around 36 months for maternity benefits. It is always better to plan ahead. It’s best if you buy a plan that includes maternity benefits at the time of the wedding, as couples usually plan for a child after 3-4 years.

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In the case of pregnancy insurance, the premiums are usually higher than in other plans, excluding maternity benefits. A claim can occur at any time from an insurer’s perspective. With that in mind, many insurers prefer to offer these plans with high premiums.

Choose the best plan
• Know the terms related to the policy, such as waiting periods, co-pay, sub-limit, tenure, room rental fees, renewal and others.
• Clear all your doubts before making the final decision.
• Compare maternity insurance plan online with benefits, features, post and prenatal expenses, coverage details, etc. and find the right plan according to your budget, needs and options.