It is always wonderful to become a parent, let alone plan it for a little one. It is really a beautiful thing to do. However, it, like any other aspect of life, always comes with its own costs, which at certain times can be pretty steep. Indeed, from prenatal to delivery and postnatal, the expenses can really go high, and this is not a myth. That is why maternity health insurance is valuable – to have a safety net and something that can at least alleviate the situation during such a critical time.
Currently, the cost of quality health care services is increasing in India; therefore pregnancy insurance is a requirement rather than a luxury. For a standard delivery or a cesarean section, the medical costs in private hospitals may easily cross lakhs. Pregnancy insurance means that you and your baby will receive quality care from the doctors without having to worry about the costs.
What is Maternity Health Insurance?
Maternity insurance is a sub-classification of family health insurance that covers pregnancy, prenatal and postnatal care, and, in some cases, the baby. It is usually offered as an extra or optional coverage for pregnant women, but there are policies that include this in their basic plan.
The waiting period for most of the insurance companies in India ranges from 9 months to 4 years before one can make a claim for maternity benefits. That is why, pregnancy medical insurance should be taken when planning a baby, not after that.
Reasons why pregnant women should take insurance
A standard delivery in a metro city may cost between Rs 50,000 to Rs 1,50,000. To that, one has to factor in the costs of ultrasounds, routine doctor visits, supplements, and postnatal checkups, and the costs do not stop there. Just try to imagine if there are complications or early birth – the costs increase.
Health insurance for expecting mothers is insurance for the period of pregnancy and support for the period of pregnancy is provided by this insurance. It also provides for the hospital and birth expenses and also guarantees that you receive quality services that define the health of a woman and her baby.
The Sooner, The Better
Most couples do not take medical insurance plans for expectant women because they believe that they can get it at a later time. But what one has to know is that once a pregnancy is detected, most insurance companies will not be able to cover it because it is a pre-existing condition.
Takeaway
A good maternity health insurance policy means that you are protected from the costs of pregnancy and childbirth. Therefore, if you are a young family or thinking about the further continuation of life, it is high time to think about insurance for pregnant women.
Are there any questions you would like to ask or are you in search of the best policies? Please, do not hesitate to leave your comments in the section below — let’s prepare for parenthood!
Santosh Kumar is a Professional SEO and Blogger, With the help of this blog he is trying to share top 10 lists, facts, entertainment news from India and all around the world.
