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Maternity Benefits Under Health Insurance

What are the benefits of Maternity Cover in Health Insurance?

Maternity Cover in Health Insurance Plans is a provision designed to bear the expenses of childbirth and healthcare of a mother and her newborn baby.

The medical expenses of maternal care are increasing every day due to rising inflation. That is precisely where Health Insurance with maternity benefits comes into play.

What Are The Maternity Benefits You Can Expect?

1) Pre and Post Natal Cover:

A pregnant mother requires constant care. Even before she goes into labour, there are a lot of health checkups and medicines needed. Moreover, these checkups and medications do not stop immediately after she has had the baby. Maternity Cover takes care of all medical expenses from 30 days before the due date and 30-60 days (depending upon your health plan) after delivery for both mother and child.

2) Delivery Cover:

Delivery of a healthy baby with the help of seasoned professionals costs quite a bit of money. Maternity Cover will provide this amount with certain sub-limits which vary with the mode of delivery; Normal or Cesarean.

3) Newborn Cover:

If the newborn needs special care for congenital diseases and other complications, some health plans covering the expenses for up to 90 days from birth.

4) Vaccination Cover:

Depending upon your health plan, your maternity benefit may also cover the mandatory vaccinations for the baby. Typically covering the expenses of immunization for the 1st year of birth, vaccinations for polio, tetanus, diphtheria, whooping cough, measles and hepatitis are covered under the Maternity Cover umbrella.

Maternity Cover bears the cost of several overheads related to childbirth, pre and post-natal care and medical expense of the newborn for the first year of its life. Having a Maternity Cover in your Health plan keeps your mind at ease and lets you enjoy motherhood wholesomely.

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Written By: Bajaj Allianz - Updated: 22th May 2024


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