Know Six Crucial Features of Pregnancy Insurance in India

By Guest Author | healthcare | September 3, 2021

Motherhood is an incredible and life-changing journey, but also quite overwhelming. While we do everything from taking prenatal vitamins to staying active for our baby’s safe arrival, it doesn’t hurt to be extra cautious. So, what is an additional step you can take to ensure your pregnancy goes smoothly? The answer is maternity insurance plans, which are the go-to investment for most aspiring parents today. 

By Aditya Roy Kapur

Of late, there has been a tremendous increase in the awareness of pregnancy insurance in India as it provides extensive coverage for medical costs related to pregnancy and childbirth – which are not as affordable as they used to be anymore. Moreover, preparing for your infant’s arrival and raising them can be expensive enough, but you can save money spent on delivery, medicines, and treatments with maternity insurance.

While buying pregnancy insurance in India is a great idea all parents-to-be must consider, here are six essential features & benefits you should know about: 

  1. Pre & Post-Natal Coverage

One of the most important features & benefits of maternity insurance plans is that they provide coverage for both pre & post-natal expenses. Whether it’s ultrasounds, doctor visits, prenatal vitamins & medicines, full-body checkups, daycare, newborn cover, or even hospitalization due to pregnancy issues, everything is included under the maternity policy. 

  1. Delivery Cover 

Even though the expenses for a caesarean-section delivery are skyrocketing today, even a normal (or vaginal) delivery can cost you a fortune. This is because of the inflation in the health care industry plus the requirement for medical experts, equipment, and tools. However, you can save yourself from hefty hospital bills as pregnancy insurance in India offers coverage for both vaginal and c-section deliveries. 

  1. Cashless Treatment 

When you buy pregnancy insurance in India, you will find that most insurers offer cashless settlements only in their network hospitals as part of their policies. With this feature, you don’t have to worry about paying the medical bills & expenses as the insurance company settles everything directly with the health care provider. So, make sure you look for this option when buying maternity plans. 

  1. Newborn Care 

With pregnancy and childbirth, there is always a risk of medical complications, which can affect both the mother and the baby. While pregnancy insurance in India offers comprehensive coverage for expecting mothers, most of the latest maternity plans also include a newborn cover. The newborn cover takes care of any expenses arising from congenital diseases or special care for your infant. 

  1. Immunization Costs 

A somewhat new feature of maternity health plans is the cover for your newborn’s immunization costs. Vaccination charges for several diseases & conditions like polio, hepatitis, tetanus, diphtheria, measles, tuberculosis, and chickenpox are covered under pregnancy insurance policies for up to one year after birth. 

  1. Ambulance/Transportation Charges 

Today, most pregnancy insurance plans include ambulance and transportation costs as part of the medical coverage. This feature is an added advantage that will save you some money while you remain stress-free and focus on you and your little one’s health. 

Buy Pregnancy Insurance in India and Secure Your Future Today

According to a report published by UNICEF, despite a sweeping 38% decline in the number of maternal deaths in the past few years, many Indians still don’t have proper health or maternity cover. While the chances of facing complications during pregnancy are low for most, they are never zero. Therefore, it is crucial to invest in maternity health care policies, so you and your child get the best care possible without worrying about the finances. 

However, when purchasing pregnancy insurance in India, it is vital to opt for well-known and trusted insurance providers like Care Health Insurance, so you know your baby’s future is always in safe hands. Also, policy buyers should make sure they check all the details and terms of their maternity plan carefully and thoroughly.