logo


Knowledge Base Health Insurance Health Insurance: Maternity Cover
Tuesday, 05 April 2011 19:05

Health Insurance: Maternity Cover

Written by  Yashish Dahiya
Rate this item
Rating 3.4 (5 Votes)

Health Insurance: Maternity Cover


 

One thing that supersedes everything and you most eagerly await is holding your cute baby in your hands. Parenthood is one of the most wonderful things. Health insurance usually covers unforeseen medical conditions but these days many insurers cover maternity expenses. As is evident, health expenses are appreciating at rapid pace and having maternal cover can save good amount of money. Maternity cover will make sure that that all your financial aspects are completely covered and you can cherish the moment.

 

What does Maternity Benefit include?


 

Maternity benefit is not standalone; it is part of health insurance inclusions. Maternity benefits covers hospitalization expenses related to pregnancy. Maternity cover typically includes hospitalization expenses, child delivery charges for both normal and caesarean, pre and post natal charges, new born coverage, vaccinations and post care expenses.

 

When should I buy health insurance with maternity benefits?


 

One should buy health insurance with maternity benefits as soon as possible. There is waiting period for maternity benefits to be included. Usually the waiting period ranges from 12 months to 48 months and as such one can buy health insurance accordingly.

 

Coverage for Maternity Benefits:


 

The coverage depends from insurer to insurer. Some insurers cover expenses for maximum of two deliveries. The coverage amount is dependent upon the Sum Assured taken.

 

Which health insurance policies cover Maternity Benefits?


 

Maternity benefit is included by few insurers. The insurers which cover maternity benefits are:

- Max Bupa Heartbeat

- Star Wedding Gift Insurance Policy

- Oriental Health Insurance

- Apollo Munich Easy Health

 

 

Compare Health Insurance Plans and Check Premium

get_quote
8 comments
  • Comment Link utkarsh Tuesday, 14 February 2012 10:45 posted by utkarsh

    Policy in which Maternity is included..

  • Comment Link Administrator Tuesday, 14 February 2012 18:01 posted by Administrator

    There are many health insurance policies in which maternity benefits are included like Max Bupa Heart Beat, Apollo Easy Health, Star Health Wedding Gift etc.

  • Comment Link Parminder Sunday, 19 February 2012 16:56 posted by Parminder

    icici health saver also covers pregnancy charges

  • Comment Link SANDIPAN GUHA Sunday, 10 June 2012 16:41 posted by SANDIPAN GUHA

    WHICH INSURANCE COMPANIES OFFERS MATERNITY BENEFITS , DOZ NATIONAL INSURANCE COMPANY LTD. OFFER MATERNITY BENEFITS? CAN ANYONE TELL ME THE WAITING PERIOD TO AVAIL THE MATERNITY BENEFITS IN CASE OF THE REPUTED INSURANCE COMPANIES OFFERING SUCH MATERNITY BENEFITS AND THEIR COMPARISON OF PREMIUM RATES

  • Comment Link Administrator Wednesday, 13 June 2012 18:25 posted by Administrator

    Hi Sandipan
    National Insurance mediclaim policy does not cover maternity benefits. For other companies like Apollo Munich, Max Bupa, Star Health, maternity benefits are usually covered after a period of 2-4 years.
    The premium rates depend on the age of insured, cover amount etc.

  • Comment Link hrishikesh Monday, 26 November 2012 14:02 posted by hrishikesh

    Hello,

    We are planning to have baby in couple of months.
    Sadly till now I do not have any health insurance. Is there any way to get benefits of maternity benefits from health insurance?

  • Comment Link Administrator Monday, 26 November 2012 18:09 posted by Administrator

    Hi Hrishikesh

    Unfortunately, it is too late now for any health insurance to cover maternity related expenses. You should go ahead and buy health insurance to get general coverage but maternity expenses will not be covered.

  • Comment Link M SANKAR Wednesday, 28 November 2012 13:19 posted by M SANKAR

    Hi we are married for 6 years and now planning for a kid next year. Is there any insurance that can cover maternity and individual health for me and my wife. Please let me know the waiting period I want something like less than an year of waiting period.

Leave a comment