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Health Insurance for Pregnant Women: A Helpful Guide

Are you currently pregnant or are you planning to get pregnant? Do you want to get proper protection for yourself and your child? If yes, then getting health insurance for pregnant women is the answer to all your questions.

Pregnant women’s insurance provides protection for both the mother and the newborn child. There are several maternity insurance plans that one can purchase online or offline. Today, we’ll talk about everything that you need to know about insurance for pregnant ladies.

Need for Healthcare for Pregnant Women

Pregnancy is a very vital stage in life. Whether you are a man or a woman, you need to stay prepared for this stage of your life well in advance. This is because bringing up a child in this world can be very expensive. And to meet this financial requirement, you need to have good financial backing or cushion to rely on.

There are several costs that the best health insurance for pregnant women can help you cover, including:

  • Delivery cost
  • Medical tests expense
  • Hospital stay costs
  • Costs of medicines
  • Other maternity expenses

The best health insurance plans for pregnant women help in making sure that parents are prepared for the new adventure in their lives. Medical insurance for pregnant ladies makes sure that you can enjoy the happiest moments of your life without worrying about any financial strain.

Understanding Health Insurance for Pregnant Women in India

Till now, we have mentioned the term ‘maternity insurance’ several times. Now, let’s try to understand what maternity insurance actually means. In the simplest terms, maternity insurance is an additional cover that is provided with a primary health insurance policy.

Maternity health insurance policies cover the charges associated with different types of baby delivery options, including normal delivery and cesarean delivery. There are other benefits that are included in maternity insurance like pre and post-hospitalization cost cover. Other benefits that are included in maternity cover are:

  • Surgeon fees
  • Anesthetist consultation
  • Doctor consultation
  • Room charges
  • Nursing charges

One should keep the list of benefits in mind before making a decision in regards to which maternity policy is the right policy to purchase.

5 Top Health Insurance Plans for Pregnant Women in India

We have prepared a list of the top health insurance plans for pregnant women that are currently available in the market. This list is mentioned below.

  • Max Bupa Heartbeat Family Floater Plan

The Max Bupa Heartbeat Family Floater plan is one of the best health insurance policies available in the market. The plan comes with maternity insurance and newborn baby cover in all of its three variants, including Silver, Gold, and Platinum.

Under this health insurance, one can avail of maternity insurance coverage along with baby care and vaccinations for the first year. These maternity benefits are provided to an individual for up to two deliveries if both the policyholder and the spouse are covered under the plan for two consecutive years.

  • Religare Joy Health Insurance Policy

The Religare Joy Health Insurance plan can be purchased by anybody over the age of 18 years. There are two variants of the plan, including Joy Today and Joy Tomorrow. In both the variants, the total sum insured options is INR 3 lakh and INR 5 lakh respectively for maternity expenses.

The health insurance plan also comes with other benefits like pre-hospitalization expense coverage for up to 30 days before delivery. The post-hospitalization expenses are covered for up to 60 days. There is a waiting period of 9 months to 24 months, depending on the variant selected by the individual.

Under this health insurance policy, one can also get newborn baby coverage of up to INR 50,000 for the sum insured option of INR 5 lakh. This also includes charges of medical termination, prenatal expenses, post-natal expenses, and vaccination charges.

  • Apollo Munich Easy Health Young Family Plan

The Apollo Munich Easy Health Young Family plan comes with three plan variants of Standard, Exclusive, and Premium plans. The standard health insurance policy is a regular health insurance plan that comes with several benefits. The exclusive and premium plan options come with maternity insurance and newborn cover.

The benefits provided with those variants include pre-hospitalization, post-hospitalization, daycare, and other expenses related to the infant baby. Vaccination charges are also covered.

  • Royal Sundaram Lifeline Elite Health Insurance

Royal Sundaram Lifeline Elite plan provides maternity insurance that covers delivery costs for both normal and cesarean delivery. The plan provides other benefits like prenatal expenses, postnatal expenses, coverage for the newborn baby, vaccination cost charges for the child, pre-hospitalization cover, and post-hospitalization cover.

  • HDFC ERGO Health Suraksha Gold Plan

The HDFC ERGO Health Suraksha Gold plan provides complete coverage of pre-delivery and post-delivery expenses. In this plan, both normal and cesarean delivery is included. All medical charges for the newborn child are also covered up to a total of 90 days after birth.

It should be noted that there are also specific eligibility criteria applicable for availing these maternity benefits. The eligibility criteria can change from one insurance provider to some other insurance provider. This is why one must carefully go over the eligibility criteria of maternity insurance before investing in the policy.

Protect Your Child and Yourself With Health Insurance

Being a responsible parent is a tough job but you can start by making the best choice for yourself and your child if you invest in health insurance with maternity cover. Making this choice will ensure that you are well-prepared for the arrival of your child and the expected medical costs that will be associated with that arrival.

You should also remember that a basic health insurance policy might not necessarily provide you with maternity cover. This is why you must go the extra mile and purchase separate medical health insurance if required. This will protect you and your child against the rising inflation of the cost of healthcare.

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