Top 10 Best Health Insurance Policies for Pregnancy
Pregnancy is a very important phase in any woman’s life. It is a time when they have to be cautious about everything and anything around them. Many women often perceive pregnancy as the next step of growth in their lives.
During pregnancy, there is a lot to take care of. Starting from healthy surroundings to a balanced diet along with doing regular chores with utmost precautions.
Since it is such a crucial moment in anyone’s life, it is obvious that one would ensure such an important matter in case something bad happens. There are certain insurance policies for pregnancy, these are also known as maternity insurance.
Maternity or pregnancy insurances are insurances that cover the expenses related to the pregnancy of an individual.
These pregnancy-related expenses are covered up until a specific time. Some companies offer pre- as well as postnatal expenses for the baby born.
If a woman is a working woman, many corporates offer their women employees maternity insurance along with other health insurance.
There are many benefits of maternity insurance and these should be well taken care of. Some of the benefits include pre-hospitalization costs up to 30 days before the date of the admission.
Expenses related to nursing, room charges, surgeon fees etc. are all covered under the insurance policy. However one should thoroughly examine the policies before they take any insurance.
Here are some of the best health insurance policies revolving around pregnancy.
Bajaj Allianz Health Guard Family Floater Health Insurance Plan
This plan is an all-rounder health plan for any family in the making. This health insurance covers different maternity expenses as well as expenses of the newborn. All these are covered under the health gold plan of this health guard family plan.
Under this plan, any family can take insurance that is assured and trustworthy. The sum ranges from 3 to 50 lakhs in the gold family floater health plan. There is a criterion when it comes to age for anyone who wishes to have this insurance.
The entry age for maternity insurance ranges from 18 to 65 years. While for children it is 3 months to 30 years.
Digit Health Insurance with Maternity Cover
This Health Insurance comes with the option to add on a maternity cover with it. You can either take it as health insurance or as health insurance + maternity insurance. The insurance will cover the expenses of the delivery of the child.
It covers the expenses of the newborn, infertility expenses, emergency expenses and so on.
The insurance also covers a large number of expenses like C-section delivery, hospital and room rent expenses as well as other pregnancy-related complications.
Future General Health Total Mediclaim Insurance
This insurance plan is quite comprehensive. It is detailed and provides all kinds of insurance including maternity insurance.
However, for maternity insurance, there is a waiting period of at least 2 years where both parents are under the same health insurance plan.
There are superior and premium parts of the plan which it is extended to 15 family members. The insurance sum ranges from 15 -25 lakhs, 50 lakhs to 1 core depending on the type of the plan.
Kotak Mahindra Premier Plan
This health insurance is another comprehensive one that covers maternity insurance as well.
It covers all the childbirth expenses as well as the termination of pregnancy if only it is legal. The policy term covers 2 deliveries per plan.
The health insurance will cover your post as well as prenatal expenses along with expenses related to the newborn itself, this includes vaccination of the child up till age 2.
All in all this plan is indeed premium as it offers a wide range of security to anyone who has this plan.
National Insurance Parivar Mediclaim Policy
As the name suggests it is the state initiative for an insurance policy. This Policy also covers pregnancy insurance for any individual. Even though the insurance sum might be small, it is quite trustworthy.
This covers all the citizens that are above the age of 18 and under the age of 60. This plan covers maternity expenses.
A newborn with normal delivery is insured with 3000 whereas a newborn born through the c-section is insured with 5000. It also covers vaccinations like anti-rabies worth 5000 for the newborn.
Oriental Happy Family Floater Insurance
This is for anyone who wants a comprehensive plan that covers all kinds of family expenses when required. This single plan handles a lot of your worries. It covers the expenses of your spouse, child as well as parents and parents-in-law.
The diamond plan under this insurance covers maternity insurance as well. This sum assured under this diamond plan ranges from 12-20 lakh.
The plan also covers post-natal expenses as well as the expenses of the newborn, all under the same plan purchased by you.
Bharti AXA Smart Super Health Insurance plan
This health insurance plan had three sub-plans one can choose from. For low maternity insurance, you will have to go with a value plan. The maternity cover is worth 35,000 and the newborn insurance is worth 25,000.
For maternity insurance, there is a 9-month waiting period. The classic health plan also has maternity insurance worth 50,000 and if you want to have even higher maternity cover then go with the uber plan where the maternity cover is worth 75,000.
With this health insurance, you have different choices for your commendable maternity insurance.
Niva Bupa- Heartbeat Family
This plan was formerly known as the Max Bupa plan. It provides coverage for maternity expenses along with the expenses of the newborn.
To get the benefits of a maternity plan, you and your spouse have to be under the same plan for at least 2 continuous years.
There are 3 types of this insurance, namely silver, gold and platinum. All these types have maternity cover, which includes expenses related to delivery, postnatal, and newborn expenses as well as vaccination for the first year of the newborn.
All the types under the Niva Bupa plan cover all the expenses related to childbirth for up to two deliveries of the couple under the insurance plan.
ManipalCigna Health Insurance- ProHealth Plus Plan
The ManipalCigna Health insurance also covers the maternity insurance that covers expenses of the newborn, vaccination and childbirth.
This insurance provides ordinary insurance for 15,000 for normal delivery and 25,000 for Cesarean delivery.
However, as a whole, the health plan is for 10 lakhs. You can take the benefit of the maternity cover and insurance only after 48 months of having the insurance under your name. The health insurance also insurances the newborn with their vaccination.
10. Aditya Birla Activ Health Platinum – Enhanced plan.
This health Insurance is an all-rounder when it comes to insuring your needs. They also cover maternity insurance if you opt for it. The insurance sum under the maternity plan of this insurance policy ranges from 2 lakhs to 2 cores.
It widely depends on the owner of the policy of what kind of maternity insurance they desire to have for themselves. There is a specific amount already allotted for the hospitalization related to maternity as well as the newborn.
This insurance covers a wide range of expenses starting from newborn expenses, medical treatment-related expenses, delivery expenses, and vaccination treatments. It also covers lawful termination of pregnancy.
This Policy all in all is great health insurance as well as maternity insurance as it covers almost all the required expenses one worries about while going through pregnancy as well as after pregnancy. Therefore it is ideal for anyone who plans on having children in future.
We all know how beautiful yet terrifying pregnancy can be for many. There are already a lot of worries, so don’t take up another worry of the expenses that you might have to bear, leave it up to these insurance companies.
However, just to remind you, insurance companies provide maternity insurance only when conceive. They don’t really consider any application if you are already pregnant. Insurances are always a risk therefore it is very important to read all the documents related to it carefully before choosing one.
Usually, during maternity coverage, there is a waiting period of years. This waiting period depends on the insurance company as well as the sum that the policy provides you under the maternity cover. The period can range from 2 years to 5 years.
Maternity insurance is a very important type of insurance if you want to have a smooth pregnancy and delivery as well as safeguard your newborn in case of any complication.
By choosing any of the health insurance we have mentioned above, you can get a comprehensive, all-rounder maternity plan that will cover all your needs starting from prenatal to postnatal treatments for you or your spouse as well as the needs of your newborn will also be met without any worries.