Do health insurance plans cover maternity-related expenses?

Motherhood is one of the most remarkable and incomparable experiences in the life of a woman. However, with motherhood, comes a series of responsibilities and complications that must be taken care of. A woman faces a lot of health-related issues from the starting of pregnancy till a certain period. As a result of such issues, there are various expenses to be made for which financial support can be really useful.

So, we already know about the benefits of a health insurance plan. Now, to provide financial support to pregnant women, there is another type of insurance plan, known as maternity insurance. This maternity insurance covers all your expenses related to childbirth and pregnancy. You can go for a standalone maternity insurance policy or you can include it into your health insurance plan by paying some extra premium.

You can go for a health insurance plan even while you are pregnant. However, you may not get maternity insurance because your pregnancy will be considered a pre-existing condition. Therefore, it is always better to obtain the maternity benefit beforehand because you may have to wait for around three to four years.
Mentioned below are some of the health insurance plans that cover maternity-related expenses also.

Bajaj Allianz Health Guard Insurance Plan: This family floater plan covers all expenses related to maternity and childbirth. It also includes accident insurance, that is any expenses related to the hospitalization in case of medical emergencies. This policy offers two plans – the silver and the gold plan. The insurance amount varies between Rs. 3 lakh and Rs. 50 lakh. The minimum age for adults to apply for this policy is 18 years and the maximum age is 65 years. For children, the minimum age is 3 months.

Bajaj Allianz Extra Care Plus Plan: This Extra Care Plus Plan acts as an add-on to your existing healthcare policy. The most important benefit of this plan is that you can customize it according to your needs. Besides including organ donor expenses, accident insurances, and in-patient hospitalization expenses, it also covers maternity and newborn baby expenses. It covers costs of a maximum of two deliveries. The maternity insurance also includes any complications during the period of pregnancy and after pregnancy also. Other expenses covered are for lawful medical termination of pregnancy, prenatal and postnatal hospitalization costs, and likewise.

Aditya Birla Activ Health Platinum: This health plan includes all sorts of expenses for your newborn child. Expenses covering various medical treatments, vaccinations, as well as lawful medical termination of pregnancy. You can get an insured sum between Rs. 2 lakh and Rs. 2 crore. The minimum age to apply for this health insurance plan is 5 years. Unlike the other plans, there is no maximum age limit for this plan. It covers six members of your family, including two adults and four children.

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