Looking For Health Insurance That Covers Pregnancy? Know These 6 Things

Pregnancy is the most beautiful time in a woman's life.

It's stressful too. This is especially true for the first pregnancy. A child gives purpose to both parents and family. A significant percentage of people start planning pregnancy early in their marriage.

Experts suggest that the person's age has a direct influence on this factor. People who marry young have plenty of time to enjoy it before venturing into parenthood.

However, this may not be the case for all.

Despite consistent planning, most pregnancies come as a pleasant surprise. This is the main reason people consider them a divine blessing. Parenthood is not just a new phase; it is the time when couples take responsibility.

Although people are reactive to some extent, they love the occasional spontaneity. They love to take risks and have new adventures.

The child is in the foreground, everything else takes a back seat. Parents are starting to rethink every decision in order to guarantee their children the best of everything.

One way to have a safe baby is to get health insurance that will cover pregnancy.

It is imperative to review these factors when choosing the best policy.

1. Coverage plan

Most people tend to confuse hospital expenses with medical expenses. However, these are two different concepts that can make a huge difference when making a claim.

You should therefore always choose health insurance that will cover the costs of the illness. This would help the couple get the benefits for a period of time before and after the delivery.

2. Premium value

It is undeniable that health insurance that covers pregnancy can be a little expensive. Most health insurance companies have a relatively high premium for maternity benefits.

However, leading companies like long-term care insurance offer discounts on multi-year policies. Since maternity insurance would cover more than one pregnancy, this is an essential factor to consider.

3. Cashless hospitalization

Always choose an insurer that has several uncovered hospitals. This would help those insured with pregnancy coverage to choose the hospital of their choice and convenience. It saves them the hassle of raising the funds and requesting a refund later.

4. Inclusions & Exclusions

Although the IRDAI (Insurance Regulatory and Development Authority of India) has listed certain conditions, each insurance company has their unique inclusions and exclusions for their health insurance that covers pregnancy. Consumers should read the policy document clearly before signing the dotted line.

5. Newborn protection

Always choose the health insurance that covers pregnancy that offers newborn protection. It may not be possible to obtain a new policy for your child immediately.

However, some policies offer general coverage for a specific period of time.

6. Complaint Procedure

It would be wise to understand the insurance policy claims process. This would help new parents deal with it stress-free. You can also talk to other policyholders to get a realistic picture.

These are some of the factors to consider when choosing health insurance to cover pregnancy. It is important to note that not all health insurance packages may offer maternity protection.

Always look for guidelines that offer the maximum benefit. The waiting time for these policies is considerably long. Some policies can last as long as nine months to nearly two years.

It is advisable to invest in health insurance that will cover pregnancy immediately after the wedding or when the couple decides to have a baby. There is no guarantee or defined guidelines for the approval period.

Hence, it is advisable to be prepared as complications in pregnancy cannot be predicted. This insurance would be the first responsible decision for all parents.

About the author:

Vaidik Sachdeva, Post Graduate in Literature from Delhi University. He is the pen for creative content at a famous digital marketing agency. He is dedicated to writing about various digital marketing strategies and what they mean for business growth.