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Maternity Cover in Health Insurance
Welcoming a new life into your world is a joyous and significant occasion. While it is set to bring several beautiful memories, bringing a new life into this world does not come cheap.
Now, you will say that you have bought health insurance so you do not have to worry. Well, many people only buy basic health insurance, which does not cover maternity costs. This is where maternity cover or pregnancy health cover comes in!
So, what is pregnancy insurance, and how does it benefit the women planning their pregnancy journey? Let us delve into the details and explore its importance.
Maternity insurance, also called pregnancy insurance, is an optional add-on to health insurance policies that provides financial coverage for medical expenses related to pregnancy and childbirth.
It also covers complications during pregnancy, caesarean delivery costs and any other medical needs for both the mother and the child, ensuring comprehensive protection.
Why Should You Purchase a Pregnancy Health Cover?
Higher Medical Treatment Cost
It is estimated that bringing a new life into this world can cost anywhere between ₹1.5 lakhs - ₹2.5 lakhs. Pregnancy insurance plans provide vital financial protection by covering the high costs associated with pregnancy and childbirth.
Comprehensive Protection
Pregnancy health coverage provides comprehensive protection against expenses related to delivery, prenatal and postnatal care and newborn baby care.
Coverage For Maternity Expenses
Due to extended hospitalisation stays, maternity-related hospitalisation expenses can turn out to be exorbitant. These costs can quickly accumulate, making maternity insurance extremely beneficial.
Coverage for Preventative and Post-Natal Care
Pregnancy health cover also includes preventive and post-natal care, including post-delivery medical consultations, vaccinations for the newborn child and routine check-ups. It ensures you and your child receive the most required medical attention.
Protection Against Unexpected Complications
Maternity-related hospitalisation expenses can be substantial, especially when unexpected complications arise. This might indicate the need for additional medical procedures and special care, increasing the overall cost.
Peace of Mind
Knowing that you are financially prepared for the big event, you can remain peaceful throughout your pregnancy and focus on your health and well-being, which is utmost essential.
Maternity Insurance Eligibility Criteria
Age
The age eligibility for purchasing the IndusInd Health Infinity Insurance plan is between 10 to 65 for adults. The maternity cover benefits are available for females between the age group of 18 to 45 years. The age is calculated based on completed years.
Waiting Period
The waiting period to be eligible for maternity insurance benefits differs between the plan options. For example, our IndusInd Health Infinity Insurance plan offers maternity coverage with a waiting period of 1 or 2 years.
Maternity Cover: Inclusions and Exclusions
What's Covered?
Tests
Ambulance expenses
Medication
Inpatient care
Prenatal expenses
Follow-up visits
Daycare
Post-natal expenses
Room rent
Caesarean/normal delivery
Newborn baby cover
What's Not Covered?
Non-medical exclusions like intentional self-injury and attempted suicide.
Medical exclusions like Injury or illness as a result of use of intoxicating substances and treatment at unregistered hospitals.
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When to Purchase Maternity Insurance Cover?
Are you a newlywed couple thinking about starting a family soon? It is a wise decision to get a pregnancy insurance plan well in advance because there is usually a waiting period of 1 to 2 years before you can make any claims.
This is why it is advisable for you to buy this plan as early as possible so that when you are ready to start the family, you do not have to worry about the waiting period.
In addition, if you suffer from a pre-existing health condition, such as diabetes or high blood pressure, there can be an additional waiting period. Purchasing maternity insurance well in advance ensures that you are financially prepared for a happy parenthood.
How to Purchase Maternity Insurance Cover?
With IndusInd General Insurance, you can easily purchase this plan online from the comfort of your home. In addition, you can benefit from a discount of 40% on your premium when you buy health insurance plans online.
Visit our official website for health insurance plans.
Enter your name, mobile number and pin code. Click on ‘View Prices’.
Choose the type of health insurance plan.
Provide all the necessary details.
Select a suitable health insurance plan and the Maternity Cover.
Provide the sum insured, policy tenure and any other specific details.
Review your personal and health insurance details and pay the applicable premium.
What is the Pregnancy Insurance Claim Process?
The pregnancy health cover benefits can be claimed in a few simple steps for both cashless and reimbursement claims.
Cashless Claims
Step 1
Intimate and register the claim by contacting us on our paid number - +91 22 48903009 or writing to us at healthcare@indusindinsurance.com
Step 3
Coordinate with the TPA (Third-Party Administrator) at the hospital, submit the necessary medical records and arrange for the pre-authorisation with RCare Health, our in-house health claims unit.
Step 4
Upon completion of the treatment, verify and sign the bills and leave the documents at the hospital.
Step 5
The hospital representatives will share the documents with us and we will settle the bills for them directly.
Reimbursement Claims
Step 1
Intimate and register the claim by contacting us on our paid number - +91 22 48903009 or writing to us at healthcare@indusindinsurance.com
Step 2
Undergo the medical treatment for pregnancy at any preferred hospital and pay for the applicable expenses.
Step 3
Collect all the documents, including medical records and the discharge summary.
Step 4
Submit the documents to us within 7 days from the date of discharge to this address:
IndusInd General Insurance, No. 1-89/3/B/40 to 42/ks/301, 3rd Floor, Krishe Block, Krishe Sapphire, Madhapur, Hyderabad 500081.
Tips to Choose the Best Maternity Insurance Policy
Credible Insurer
Choose a reputable insurer with a high claim settlement ratio. Research customer reviews and feedback to analyse the reliability and service quality to ensure a good experience.
Assess Policy Inclusions and Exclusions
Understand and thoroughly review the policy inclusions and exclusions to ensure all the necessary aspects of treatment expenses that you are looking for in the pregnancy insurance plan.
Waiting Period
Check the waiting period to be eligible for the maternity insurance benefits. Choose a plan with a shorter maternity insurance waiting period that aligns with your healthcare needs.
Eligibility Criteria
Examine the eligibility criteria for insurance for pregnant women to avoid discrepancies at the time of claim settlements.
Compare Policies Online
Research the different options for maternity insurance plans online, compare their features and benefits to decide the most-suited and affordable solution.
Benefits for the Infant
Pregnancy health cover also addresses the healthcare needs of your newborn. Ensure that the policy offers comprehensive protection, including routine consultations and vaccinations.
Abortion/Termination
If you are susceptible to medical complications, you might have to abort your pregnancy. Check if the insurer covers expenses towards the lawful medical termination of the pregnancy if necessary.
Number of Children Covered Under The Policy
Check if the insurer offers maternity insurance coverage for more than one child, especially if you have plans to expand your family in the near future.
Key Takeaways
Now that we know what is maternity coverage, it is time to make prudent decisions concerning your future family goals. Keep the waiting period in mind and ensure you purchase the pregnancy health cover well in advance.
By covering the medical treatment expenses related to pregnancy and childbirth, you can focus on the well-being of you and your child without taking the stress of mounting medical bills.
IndusInd General Insurance offers health insurance plans with maternity cover, competitive premiums and cashless services. Explore our plans and secure your maternity coverage today!
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of IndusInd General Insurance Co. Ltd.
The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
The details mentioned above are for IndusInd Health Infinity Insurance UIN: RELHLIP23120V042223
Maximum discount applicable for IndusInd Health Infinity Insurance policy is up to 35%.
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