Motherhood is one of the most beautiful phases in the lives of people. Would-be-parents leave no stone unturned so as to make this phase and the time after that free of hurdles. A significant part of this planning is selecting a good maternity insurance plan. This is basically a health insurance scheme providing financial coverage during the pre-natal and post-natal care of maternity. It is an add-on feature or proviso of the general scheme and includes the following:
1. Hospitalization- Expenses of up to 30 days before and 60 days after delivery, along with room charges, charges of the doctor, nurses, ambulance charges and other related costs are covered.
2. Delivery related costs, whether normal or cesarean as well as related complications after delivery are covered.
3. Daily expenses of hospitalization are covered.
4. In case of diagnosis of any chronic condition of the baby, the insurer provides coverage for checkups for up to 90 days after birth.
As of now, expecting parents can consider availing any of the maternity insurance schemes listed below:
Star Health Wedding Gift Insurance Plan
This scheme covers two deliveries with a cap of INR 10 lakhs and waiting a period of 3 years. Childbirth expenses, along with prenatal and postnatal care, treatment for congenital issues in the newborn child and complications faced by the mother after delivery are covered.
Max Bupa Heartbeat Family Floater Plan
This scheme provides options of gold, silver, and platinum that provide financial protection for the newborn child and during delivery. It includes vaccination costs for up to one year and is applicable for two deliveries.
Religare Joy Health Insurance Plan
Individuals aged between 18 to 65 years can avail this scheme that provides assured sums of INR 3 lakhs and INR 5 lakhs. It has a waiting period of 9 months to 24 months. The newborn baby can avail protection of up to INR 30,000 to INR 50,000 based on the chosen policy. The scheme covers hospitalization costs, expenses of 30 days before and 60 days after delivery, in addition to vaccination, pre and post natal expenses and legal termination costs.
As it is quite clear, these schemes cover all the major expenses associated with maternity and the crucial time before and after it. By selecting the right maternity insurance scheme, one can sail through the expenses without having to face any challenge.
You can know more about these schemes from the resource given below: https://divyasingh16.livejournal.com/581.html
