Maternity Insurance Plans

While it is a joyous moment, unexpected medical costs during pregnancy or childbirth can derail your financial plans. Maternity insurance plans provide peace of mind when you initiate family planning.

These provide extensive coverage for all your pregnancy-related medical expenses. These include hospitalisation charges, pre- and post-natal care, and newborn baby expenses. 

On Bajaj Markets, you can get health insurance plans at affordable premiums starting from ₹1,188/year. This helps you manage your maternity-related expenses seamlessly.

As a would-be parent, you need to be prepared for all expenses that come your way during pregnancy. Here is a brief overview of pregnancy insurance plans:

• It covers the expenses of hospitalisation and preventive care for expecting mothers and their newborn

• Some companies also allow you to opt for this as a rider in your existing health insurance plan

• These policies safeguard you and your company from the constantly increasing healthcare costs

Navigating through pregnancy-related expenses can be easier with the right insurer and policy. Here are some of the best maternity insurance plans you can look for:

Disclaimer: The aforementioned specifics can vary at the discretion of the insurance provider. Kindly check with the insurer before planning to get a plan.

While childbirth is a joyous occasion, it can become a financial stress due to rising medical costs. A pregnancy insurance policy typically covers the following expenses:

• Delivery Charges

Most plans cover delivery charges, whether it is a normal delivery or a C-section.

• Pre- and Post-Natal Expenses

This includes any medical expenses incurred before and after the delivery for a certain period.

• Hospitalisation Costs

This coverage includes all hospitalisation expenses, from room to nursing charges.

• Coverage for the Newborn

  Most plans also provide coverage for medical expenses incurred for any treatment of the newborn.

• Pre- and Post-hospitalisation Expenses

Most policies provide coverage for the cost of hospitalisation before and after the delivery. The number of days can vary depending on your insurance plan. 

Before you get this policy, it is crucial to understand what they do not cover. Check out the list of common exclusions from maternity insurance policies.

• You cannot claim any pregnancy-related expenses during the pregnancy period

• Most maternity health insurance plans do not cover pre-existing diseases and conditions

• These plans may also not cover the charges for your visits to the doctor for regular check-ups

• Many maternity plans also do not include consultation fees and charges for diagnostic tests 

• Insurers also exclude any procedure or treatments that medical authorities do not recognise

• All companies do not cover non-medical expenses incurred on childcare like diapers, baby’s clothes, or any other personal item

• Most plans do not cover expenses related to late pregnancy, i.e., after the age of 45 years

As everyone’s medical needs can be different, finding the right policy is crucial. Here are some other health insurance plans available on Bajaj Markets.