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Becoming a parent is a life-changing journey filled with joy, excitement, and countless preparations. But with the dreams of welcoming a baby many people might overlook the expenses incurred in maternity.
From diagnostic tests and delivery to postnatal care, the expense of pregnancy could add up very quickly making it difficult for the parents to handle this financial burden. This is when maternity coverage in health insurance becomes important.
Remember, parenthood comes with a responsibility, and it starts with the correct financial coverage! 🙂
Maternity cover is an add-on cover one can opt for in a health insurance plan that covers all maternity-related expenses.
Anyone with an existing or new health insurance plan can include this benefit for themselves or their spouse so that whenever the time arises, all your maternity expenses towards the delivery of a baby and/or treatment related to any complications in the pregnancy or medically necessary termination can be covered and taken care of by us.
Additionally, the cover also compensates for expenses arising out of fertility issues and the newborn baby’s hospitalization charges due to any medical complications, and vaccination charges, up to 90 days from the date of delivery.
Disclaimer: Currently, Digit does not offer any Maternity coverage with our Health Insurance.
Welcoming a new life is beautiful, but are you prepared for the unexpected expenses that come with it?
With maternity coverage in health insurance, you can focus on the joys of parenthood without worrying about financial burdens. It supports hospitalization and delivery expenses, ensuring a stress-free experience for expecting families.
Watch this video to discover how maternity coverage works and why it's essential for every family.
Planning for a family is one of life’s most joyous moments, but it comes with a financial burden. This is when a maternity cover is important. Mentioned below are the people who can benefit from maternity cover:
One important step in buying health insurance is securing maternity coverage at the right time. Here is when you must opt for maternity coverage in health insurance:
It's never too early to begin planning to become a parent. Pregnancy insurance is advantageous when you are in the family planning stage.
Having a child is unquestionably a happy occasion, but it involves costs. Pregnancy insurance lessens the financial strain of postpartum, maternity care, and delivery costs and provides financial security during these times.
Although everyone hopes their pregnancy goes well, unanticipated problems might happen. Pregnancy insurance ensures you get the support you require without worrying about related expenses by covering unforeseen medical issues.
Certain places of employment don't offer full maternity benefits. If your employer's coverage is inadequate, pregnancy insurance is an additional plan to bridge the gaps and provide complete coverage for all your requirements.
Maternity health insurance covers the expenses incurred when a mother is about to deliver. But, the coverage does not end here. Here is what is covered under the maternity health insurance:
Maternity insurance policies usually cover prenatal care costs, such as regular checkups, consultations, diagnostic testing (such as blood tests and ultrasound scans), and prescription drugs.
Maternity insurance pays for the mother's and the baby's postnatal care costs after delivery. This covers prescription drugs, follow-up appointments with medical professionals, and other therapies required to promote healing.
Many maternity insurance plans cover newborns for a pre-determined amount of time after birth. This plan usually covers newborn care, immunizations, regular pediatric checkups, and any necessary medical treatments.
Your maternity insurance will cover you if you must stay in the hospital on the big day. You may concentrate on the wonderful moment without worrying about the bills.
Your insurance helps pay for the delivery costs, whether standard or special, through C-section. So, you can enjoy the wonderful times without worrying about the healthcare fees.
Some maternal health insurance policies cover pre-existing diseases and even include the cost of any previous maternity-related conditions under a special clause.
Disclaimer: Currently, Digit does not offer any Maternity coverage with our Health Insurance.
In simple words, the waiting period in health insurance is the amount of time you must wait before you are eligible to begin receiving benefits under Maternity Coverage in Health Insurance. Pregnant women benefit greatly from this measure, which guarantees them some financial help while on maternity leave.
How does the waiting period work, then?
Well, the waiting period often begins on the day that a new policy starts working. Generally, it lasts between two to four years, depending on the policy.
You can start receiving maternity benefits as soon as you fulfil this requirement! To give you the time and assistance you need to care for yourself and your new baby, these benefits usually include paid leave for a certain amount of time before and after giving birth.
Individuals and families who intend to obtain complete healthcare coverage during the maternity period must be aware of the eligibility requirements for maternity health insurance:
Filing a claim during pregnancy is a simple and easy procedure. The hospital you select will determine the claim procedure. You can file a cashless claim if you have chosen a network hospital, or you can use a reimbursement claim procedure if you have chosen a non-network hospital:
Step 1: Notify your insurer and select a network hospital for your treatment before being admitted to the hospital.
Step 2: Show your e-health card at the network hospital helpdesk and ask for the pre-approval.
Step 3: Fill out and sign the form and submit it to the helpdesk.
Step 4: After verification, the insurance company will take care of the cost involved in the treatment.
Step 1: If you select a non-network hospital or your cashless claim is rejected, keep all the medical bills, reports, and other essential expense documents with you.
Step 2: After treatment, contact your insurer and provide them with all the soft copies of the documents and bank account details for reimbursement of expenses.
Step 3: The insurer will verify the documents, and you will receive a reimbursement for the treatment.
Before filing a claim for a maternity health insurance plan, you must have valid proof of certain documents, without which the claim cannot be processed. Here is a list of important documents that are required during maternity claim:
Stay financially secure during one of the most important moments of your life. A maternity benefit cover in your health insurance will ensure you don’t need to spend much from your savings and will ensure you have a stress-free delivery and onset of parenthood.
A maternity benefit cover does not only cover expenses during delivery but, also covers your newborn baby up to its first 90 days (covering for any medical complications and required vaccinations), so you can relax, recover and relish the beginning of your new journey.
Some Maternity covers provide additional benefits on the Sum Insured when you have a second child.
Have the option to medically terminate your pregnancy in case the need arises. The maternity benefit cover offered by us covers medically necessary and lawful terminations of pregnancies.
Peace of mind. Our babies are our bundle of joy, and we don’t want to take that away from you by stressing you about the expenses. A Maternity Cover has your back!
From the waiting period to coverage details, understanding maternity insurance is essential for a stress-free experience during your pregnancy. Here are the key things every parent must know about the maternity cover insurance:
Every parent's journey must begin with confidence and care, not the financial burden of having a child. And, maternity coverage in health insurance is the best way you can do so. By understanding the benefits, limitations, and eligibility criteria of maternity cover, you can make an informed decision that aligns with your needs.
As you prepare for this beautiful new chapter of life, let your health insurance be your silent partner, providing the support and peace of mind you deserve.
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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.
Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.
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