Points to Remember while Buying Maternity Insurance Health Plan

February 1, 2022 0 By Ragini

One of the most special feelings in the world is becoming a mother. No matter how many sleepless nights are there, how crazy the little one drives you, and how you forget yourself while taking care of the little person, it is all worth it when he/she smiles. As a matter of fact, to see that priceless smile on our kid’s faces, we go the extra mile and do things that we have never done before. Motherhood truly changes us and along with that it also changes our priorities. While we get our priorities right, we should never forget about the financial support we need to give birth to the child. The entire pregnancy period is quite long and you need to visit the doctor’s clinic almost every 15 days. Like almost everyone else, you would also want to choose the best hospital and facilities so that you can give birth to your baby without any problem. However, it needs a lot of money. This is why the moment you find out that you are pregnant, you should buy health insurance with maternity coverage.

Nevertheless, before you buy a health insurance plan with maternity coverage, you need to be aware of some important points. Here are the things you should know about maternity insurance plans.

Comprehensive coverage

The first thing to consider while buying a health insurance plan is comprehensive coverage. From pre and post-natal expenses to doctor’s fees, and even daycare treatments, you must take a plan that provides coverage for all these expenses, so that you can get the right healthcare facility when you need it the most.

Cashless hospitalization

Cashless hospitalization may sound a small term but makes a huge difference when you are hospitalized and paying the bills in cash can be a pain. You must buy a health insurance plan that provides a cashless hospitalization facility. Under the policy coverage, almost all the expenditures that are related to pregnancy are settled effortlessly. 

Daycare treatments

Many pregnancies are not so smooth and the would-be mother goes through a lot of complications. This often leads her to get treatment under daycare. This kind of expense is covered under health insurance with medical coverage. You must check the availability of this facility so that you can get the required treatment whenever necessary under the daycare treatment.

Advanced technology methods

Gone are the days when getting inside the labor room would stress you out. These days advanced technology methods make the childbirth process smoother. However, to avail of the facility without making a hole in your pockets, you must use your maternity insurance. Therefore, you must check if the advanced technology methods are included in the policy.

Newborn baby cover

The inclusion of newborn baby cover in the policy is a very important point that must be there in your health insurance plan. Once the baby is born, vaccination fees, doctor’s consultation fees, etc. are required and all these cost quite a lot. However, with the inclusion of newborn baby cover in your policy, you can avail of the facility and save some money in your pockets.

Waiting period

When you are deciding on a health plan with maternity coverage, you must check the waiting period. Most of the maternity health insurance plans come with a waiting period of 9 months to 24 months. During this period, a pregnant woman cannot claim any coverage. Therefore, you must look for the plans that can give you the least waiting period.

These are just some of the points that you must take care of while choosing a health insurance plan with maternity coverage. To get more details about such health insurance plans, you can take a look at the IIFL website.