Is There any Maternity Benefits in Family Health Insurance Plans?
Due to medical inflation, India has experienced significant growth in healthcare expenses. This increase can result in a financial burden if faced alone. However, along with the increase in medical expenses, it’s essential to remember that life is full of uncertainties, and this is where health insurance becomes your best friend. Various insurance plans are available in the market, including family health insurance, maternity health insurance, senior citizen insurance, and more. When talking about family, you must invest in family health policies. Let’s delve into why.
Understanding Family Health Insurance
Family health insurance plans offer coverage for the entire family, including your spouse, children, and parents, all under one sum insured. When evaluating options for family protection, investing in comprehensive family health plans is highly recommended rather than purchasing separate individual policies. These plans are easier to manage and provide significant cost savings.
Coverage option of family insurance policies:
- Routine health check-ups
- Emergency services
- Pre-and post hospitalisation
- Surgeries
- Prescription medications
- Maternity care and childbirth
Does Maternity Benefit Come with Family Health Insurance?
Most of the family health plans cover maternity benefits. However, as indicated by their name, these plans are designed to address the diverse needs of all family members. While these plans cover maternity benefits, they may provide limited coverage, as they do not emphasise on one member. You can opt for maternity health insurance if you are looking for comprehensive maternity coverage. Pregnancy insurance covers all the medical expenses related to pregnancy and childbirth.
What Does Maternity Health Insurance Cover?
Insurance for pregnant women covers a variety of medical expenses, mitigating your financial burden and enabling you to focus on recovery rather than focusing on expenses.
Let’s explore the coverage options:
Prenatal Care and Postnatal Care
Prenatal care refers to the care you receive before giving birth. It includes regular check-ups and consultations to monitor your and the baby’s health. Whereas postnatal care is received after childbirth. The mother and the baby require follow-up care to ensure everything is healing well.
Newborn Baby Care
Insurance for pregnant women covers the baby’s first check-ups, vaccinations, and any necessary treatments or special care after birth.
Lab Tests
Ultrasounds and blood screenings are recommended every other month to identify any potential complications in the pregnancy. Such diagnostic tests are included in the insurance for pregnant women.
Covers Complications
Maternity health insurance covers high-risk complications, including gestational diabetes, hemorrhaging, and preterm labour, mitigating your financial stress.
Hospitalisation
In the event of foetal complications, placental issues, or significant bleeding during pregnancy that may necessitate an urgent caesarean section, there is no need for concern. The insurance for pregnant women includes coverage for delivery expenses, regardless of vaginal birth or a C-section. This coverage also extends to other related costs, such as hospital stays, nursing care, and surgical fees.
Benefits of Maternity Benefits in Insurance Policies
By now you might know pregnancy insurance offers extensive coverage to expecting mothers and newborn babies. Mentioned below are a few more benefits:
Financial Protection
Without maternity coverage, you have to pay pregnancy-related expenses on your own, which can increase your financial burden. However, with insurance, you can focus on your and the baby’s health and well-being, as the insurance company covers such expenses.
Comprehensive Coverage
Maternity coverage ensures that the health insurance policy remains useful as the family grows. It covers prenatal care, postnatal care, complications, diagnostic tests, and more.
Peace of Mind
Knowing that maternity expenses are covered allows you to focus on preparing for the arrival of baby without stressing over financial worries
Wrapping Up
Family health insurance provides comprehensive coverage for all members, but not all policies are created equal when it comes to maternity benefits. Maternity benefits can significantly alleviate the financial burden associated with pregnancy and childbirth, making them an essential addition for families planning to grow.
Niva Bupa is a respectable insurance provider in this space. They stand out for offering comprehensive coverage options, including maternity benefits. Their health insurance plans are designed with the family in mind, providing holistic protection.
Get in touch with Niva Bupa today to learn more about how they can help you protect your family with the right insurance coverage.
