The birth of a child is an exciting time for all family members. But, parenthood comes with its own set of difficulties. In order to give birth to a child, the mother has to endure a lot of physical pain. A father have to support his wife in every possible way. From conception to delivery and in the months that follow, the mother have to take care of her child very carefully which may have many challenges.

You will need to pay for your checkups, medications, hospital visits, delivery, and postnatal care. Healthcare costs are on the rise, and those related with pregnancy are also increasing. So, taking maternity insurance is a wise decision.

Also Read: Planning For Your Child’s Future

Features of Maternity Health Insurance

These maternity insurance benefits may vary from insurer to insurer. So, before buying a policy, ask our experts about the policy that best suits you.

⦁ Hospitalization Related Medical Expenses 30 days prior to delivery
⦁ Hospitalization Related Medical Expenses 60 days after delivery
⦁ Post-delivery health complications
⦁ Cesarean and normal delivery expenses
⦁ Hospitalization fees include room rental, charges to nurse, surgeon, and anesthetist, etc.
⦁ For a period of 90 day, cover your newborn baby against critical illness.

Premium Will Be Slightly Higher

Contrary to other insurance policies, where there are lower chances of an event being covered, the likelihood of it happening here is nearly certain. The premium is therefore higher. A cost-benefit analysis should be done based on the premium charged annually, the amount of coverage you have, the cost to care for your baby in your locality and the waiting period.

Waiting Period

You will have to meet a waiting period for maternity benefits in health insurance. For a claim to be made, you might have to wait between 9 months and 4 years. Plan accordingly and buy health insurance for your pregnancy as soon as you can. The period of waiting depends on the insurance company from which the policy is purchased.


⦁ There might be certain sub-limits (limit on the maximum amount payable by the insurance company) to your health insurance plan. Make sure to check them. Expenses beyond the sub-limit won’t be covered.
⦁ 45 years is the age limit for the insured
⦁ Ectopic pregnancy is not covered

Why Maternity Coverage?

A maternity policy is essential, especially if you are not covered by a group plan or regular health insurance. You should have at least some basic coverage, Include maternity coverage in your insurance policy if you don’t have it. Although the coverage may not cover all expenses associated with maternity, the payout will help to pay for them.

Group Health Insurance with Maternity Cover

As part of their group healthcare insurance, some employers provide pregnancy coverage for their employees. You should consider the coverage offered by your employer before buying or claiming against your personal plan.

Start Savings For Maternity Expenses

It is a smart decision to start saving and create your own fund, as there are many sub-limits and long waits associated with maternity coverage. Newly married couples should start saving to meet future maternity expenses. You can do this by opening a fixed deposit account or investing in low-risk investment schemes.

Bringing a child into the world is a wonderful feeling. Get the best insurance plan to ensure that you are prepared for the arrival of a new member of your family.

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Prateek Mahesh

Prateek has 17+ years of experience writing in Investment Strategy and Sales for Life Insurance. He has done MBA in Insurance and Investment.

Their aim is to educate people on various insurance topics so that they can make wise decisions.

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