Some important tips while buying Health Insurance plans with Maternity Benefits
You can now plan out your maternity expenses also under your health insurance plan. Pregnancy and parenthood is tense and exciting and these plans can offer your some financial support and peace of mind. These plans will pay most of your pregnancy related expenses. But it is best to know what coverages are offered so that you don’t have any surprises.
- Most plans will have a waiting period (in years) before the maternity benefits can be availed. Be sure to check this period in your plan
- Maternity cover may be offered only till a certain age (say till 45 years)
- Payouts are different for normal and C section deliveries
- Only expenses which are incurred during childbirth are covered
- New-born are also covered in some plans from Day 1
- While pre and post natal expenses are covered by some plans, the total amount you can claim in a single delivery is capped
- The total expenses covered under maternity is capped based on the plan variant which you select
