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All you need to know Maternity Health Insurance
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What is Maternity Insurance?
Maternity insurance benefit covers all pregnancy or maternity-related expenses up to the sum insured. These expenses may include the medical expenses incurred during pregnancy, gynaecologist’s consultation charges, cost of hospitalisation and delivery of the baby, pre and post-natal care expenses, the costs of medicines, medical tests, newborn baby care, etc.
A maternity insurance benefit works just like a regular health insurance plan, wherein you can file a claim on your policy and avail of cashless healthcare facilities at any network hospital. You can purchase a maternity insurance benefit as a rider on any health insurance policy, offline or online, depending on your personal preference.
Benefits of Maternity Insurance Plan
A few benefits of maternity insurance benefit are
- Coverage for Delivery and Labour Expenses:A maternity insurance benefit covers all delivery-related expenses for normal and cesarean deliveries, including doctor’s and nurse’s fees, hospital room rent, costs of medicines, medical tests, etc.
- Newborn Baby Care: It also covers the expenses incurred for the care of the newborn baby.
- International Coverage for Maternity: A comprehensive maternity insurance benefit provides international coverage for maternity. It means that even if you deliver the baby outside India, your expenses would be covered.
- Pre-and-Post Hospitalisation Natal Care:Expenses incurred before the hospitalization and after discharge of the expecting mother and the newborn are also covered by maternity insurance benefits.
- Ambulance Cover:Some maternity insurance plans also provide coverage for ambulance services required for pregnancy-related emergencies
Features of Maternity Insurance
A few features of maternity insurance benefits include
- Comprehensive Coverage:Most maternity insurance benefits provide comprehensive coverage (up to the sum insured) against all maternity-related expenses, from delivery charges to doctor’s consultation fees to newborn baby care.
- Waiting Period: Maternity insurance benefits come with a waiting period ranging between one to three years. That is why it’s recommended to procure a maternity insurance plan at the earliest.
- Cashless Delivery at Network Hospitals: With a maternity insurance benefit, you can avail cashless delivery at any network hospital. The bills will be settled directly between the hospital and the insurer, and you won’t have to pay anything from your pocket.
- Quick Claim Settlement: Maternity insurance claims are settled quickly by insurers. This ensures hassle-free delivery and the best possible medical care for the mother.
- No-Claim Bonus: You can also get a No Claim Bonus (NCB) as an annual increment in the sum insured for every claim-free year.
Importance of Maternity Insurance
The news of pregnancy can fill the hearts of every family member with joy. For a couple, it can be a beginning of a new phase in their lives. However, the ecstasy of becoming parents also brings a lot of social and financial responsibilities. Right from the day when you get the good news till the baby’s delivery, the expenses can be never-ending.
And in case of any pregnancy-related complications with the mother or the newborn, the expenses can go beyond your imagination and burn a large hole in your pocket. Keeping in mind the constantly rising healthcare inflation in our country and skyrocketing charges of medical services, you must buy a maternity insurance benefit along with your health insurance policy.
It works like a regular health insurance plan and covers all maternity-related expenses, ensuring that you stay worry-free and welcome your newborn baby into this world with complete peace of mind.
How to Buy a Maternity Insurance Plan Online?
Follow the steps mentioned below to buy a maternity insurance benefit
Step 1 – Visit your insurer’s official website
Step 2 – Search for the plan which covers Maternity Insurance and click on Buy
Step 3 – Select the appropriate plan as per your requirements
Step 4 – Enter your details to get the quote from the insurer
Step 5 – If you’re happy with the quote, pay the premium amount online using your debit card, credit card, or net banking facility
Step 6 – Get your maternity insurance policy on your registered e-mail id and phone number
It’s recommended that you read the policy inclusions and exclusions carefully before paying the premium amount.
Why choose us?
Niva Bupa aims to be India's most renowned Health Insurance provider by enlightening its customers with insight, leading them with skill sets, and offering them a wide range of services that establish trust and give them back control in the way they want it.
Along with, Niva Bupa offers Cashless Claim Processing* in 30 minutes, a comprehensive selection of health insurance policies, and a large network of hospitals*** (10,000+) for its over 1 crore happy customers**.
All claims are processed directly without the use of a third party, and digital solutions are available to meet your medical needs. Choose a long-term solution that follows you every step of the way; choose Niva Bupa best health insurance company in india.
*Niva Bupa processes pre-auth requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorization settlement at the time of discharge or system outage. For more details on terms and conditions, exclusions and waiting period, please read sales brochure before concluding a sale.**NOL: Active lives as at March 31, 2021. ***Number of hospital networks shown is an approximate figure and is subject to change without prior notice.
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Frequently Asked Questions
How does Niva Bupa’s Maternity Health Insurance work?
Why should I buy Niva Bupa’s Maternity Health Insurance when I already have a Health Insurance Plan?
When is the best time to buy Maternity Health Insurance, and what is the eligibility criteria?
Can I buy Maternity Health Insurance while I’m pregnant?
How can I file a claim for Niva Bupa’s Maternity Health Insurance?
Maternity Insurance is a form of insurance that covers the costs of childbirth (up to a particular limit) for a set period. A maternity benefit is typically obtained as an add-on cover/rider to an existing health insurance policy. Some women may be eligible for maternity benefits through their employer’s group benefits plan; however, group insurance benefits are restricted and may not cover the total cost of pregnancy. Given how most families already have a family floater policy, adding the maternity benefit to it is the simplest choice.
Given the high costs of private hospitals these days, maternity insurance comes in handy and provides financial security so you can take your first steps into motherhood without worrying about the expenses.
Maternity insurance covers costs associated with both a regular and caesarean delivery. So, no matter what surgery is required, you will not be concerned about the cost.
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