Health Insurance with Maternity Benefits – 5 Reasons to Invest in This Plan

Health Insurance with Maternity Benefits - 5 Reasons to Invest in This Plan

Becoming a mother is one of the most incredible experiences of a woman’s life. But pregnant women are also more vulnerable to health complications and delivery-related problems. And with rising medical inflation and increasing hospitalization charges, these medical expenses drain your pocket pretty quickly.

But you may not have to worry as much if you have adequate health insurance with maternity. Health insurance with maternity cover will provide you comprehensive coverage for all the hospitalization and delivery-related expenses.

What is Health Insurance with Maternity?

Health insurance with maternity is a type of standard health insurance that also provides maternity coverage.  It comes with several prominent benefits that can take care of all the healthcare expenses for the mother and her child.

It comes with a waiting period and certain exclusions, so it is in your best interest to look for them while buying the best health insurance with maternity for yourself.

Health Insurance with Maternity Benefits - 5 Reasons to Invest in This Plan

5 Reasons to Invest in Health Insurance with Maternity

  • Covers Maternity Expenses

Health insurance with maternity covers all expenses for both normal and caesarean surgeries, so you will not have to be stressed about the finances. Moreover, it also covers medical expenses such as surgeon’s cost, doctor’s consultation, room charges, nursing, etc.

  • Private Hospitals are Expensive

During pregnancy, quality treatment at hospitals is essential for the good health of both mother and her child. And that is why people nowadays prefer private hospitals, but they are quite expensive. Having health insurance with maternity cover will let you get the best treatment without any financial worries.

  • Safeguard Against Rising Healthcare Costs

With rising medical inflation, hospitalization charges are rapidly increasing every year. Therefore, buying health insurance with maternity can be in the best interest of the new parents.

  • Covers Newborn Baby from Day 1

Regular health insurance does not cover newborn babies for the first 90 days.  However, health insurance with maternity covers the newborn baby from day 1. Some policies may also include vaccination charges till the end of the year policy.

  • Prepares the Parents for Complications

In case of complications such as premature birth, the newborn child may need to be kept in an incubator for a certain period of time. And the costs for such complications can be skyrocketing. These unforeseen complications can be stressful for the parents. 

Good health insurance with maternity cover can find you relief from the financial burden. Some policies may also cover newborn babies who are born with critical illnesses.

Key Benefits of Health Insurance with Maternity

For women, motherhood is a blissful phase of life. And to help you make this phase a smooth journey for the new parents, health insurance with maternity cover comes with various benefits. Here are some of the benefits provided:-

  • Cashless Hospitalization

Cashless hospitalization allows you to avail yourself of delivery-related treatment without paying the bills upfront.

  • Cover for Newborn Baby

The health insurance with maternity coverage is not just limited up to the delivery; it also gives coverage to your newborn child up to the first 90 days with maternity coverage.

  • Discounts

While buying health insurance with maternity cover, you can avail of discounts if you opt for a multi-year policy. It will reduce your premium amount.

  • Tax Benefits

Opting for health insurance with maternity cover comes with two-fold benefits. It provides good medical care for mother and child, and it also enables you to avail tax benefits on the premium you pay for it as per the Maternity Benefit Act, 1961.

To make motherhood a wonderful and smooth journey for the mother and her child, buying health insurance with maternity cover is a wise decision. It is a great supplement to your health insurance policy when you are planning to embrace motherhood.

With a lot of choices to buy insurance, choosing one out of many can be a daunting task. You can consider buying health insurance with maternity from Care Health Insurance that provides the best healthcare facilities to the mother and her child. It provides maternity care, newborn cover, pre-and post-hospitalization charges, and many more facilities.

About the author
Mrs. Hatland is a 30-something married, mom of 7 and the face behind the popular online publication, Motherhood Defined. Known as the Iowa Mom blogger by her local peers and “The Fairy Blogmother” worldwide. She has professional experience in working closely with clients on brand ambassadorships, client outreach services, content creation and creative social media advertising exposure.

Leave a Reply

Your email address will not be published. Required fields are marked *