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A Maternity Insurance is an add-on cover one can opt for in an Individual or Family Health Insurance, that covers for 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, at Digit, we are not offering any Maternity Cover with our Health Insurance.
Whether it’s your first or second time around, planning for the next big thing in life; the onset of parenthood and a new child underway can be one of the most beautiful yet challenging times of our lives. Excitement and nervousness. Uncertainty and restlessness. Anxiety and gratification.
Whether you’re planning to start a family soon or, give your existing child a sibling to bond with, the phase of maternity, childbirth and everything that comes with it can often get stressful and we’re here to help you through just that. Well before time. After all, it’s always better to plan not only for the unplanned but, the planned too.
One can benefit from the maternity add-on cover in their health insurance plan, if they meet with the following criteria:
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!
With healthcare costs only rising, the medical costs towards delivering a newborn baby too have been increasing day by day. Especially if there is a C-section or any other pregnancy complications involved as well.
However, opting for a maternity benefit in your individual health insurance plan would instead make things easier for you and your spouse by lessening your financial burden and ensuring that everything from the birth of your beautiful child to its first three months are smooth and stress-free.
After all, he/she will be your bundle of joy and we want to make sure you can treasure and live those moments of happiness to the fullest.
Before they’re even born, we want the best for them. No wonder choosing the right maternity insurance can get so confusing. Whether you’re looking to opt for a maternity benefit in your current individual health insurance or are getting an individual health insurance for the first time, following are some things to keep in mind:
a. Opt for it in advance: Always opt for the maternity benefit well in advance. Benefits like Maternity and Critical Illnesses usually have a waiting period before you can utilize it.
Therefore, whether you’re going to get married soon or, are planning to start a family in the next one to two years, this would be the ideal time to opt for the maternity benefit in your current health insurance or new health insurance plan.
b. Check Sum Insured: Sum Insured is the amount you’ll get to compensate expenses during delivery and hospitalization. The average cost of delivering a baby in urban India today ranges from about Rs 45,000 to Rs 75,000 and a C-section could cost you up to Rs 80,000 to Rs 1 lakh.
Therefore, it’s important that you check how much the maternity benefit in your health insurance will cover and accordingly make a choice based on your financial feasibility.
c. Benefits: It’s called Maternity benefit for a reason! Every health insurance has different benefits it offers to its policyholders. Therefore, compare maternity benefits in different health insurance plans and go for a plan you think suits your needs the best.
Do they cover C-section? Do they offer covers for fertility-related issues? For how long is the child covered post-pregnancy? Does it cover hospital room rent? Do they offer cashless settlements? etc. are some questions you could keep in mind.
d. Cashless Settlement: A cashless settlement is a benefit some health insurance companies offer to their policyholders. This means that during a claim, i.e in this case during delivery, you don’t need to pay or reimburse any amount but instead, can make a cashless claim if the concerned hospital is covered by the insurer.
During a chaotic and stressful time like pregnancy and the uncertain labor, such benefits can really help you a long way. Therefore, choosing a maternity cover or insurance that offers cashless settlement could be one deciding factor while choosing the best maternity insurance.
This primarily depends on what phase of life you are in. If you’re single and don’t plan on getting married or having a baby in at least the next two to three years, then you don’t need to get a maternity insurance cover right now.
However, if you are married or are going to get married soon, and think you’d want to start a family in the next two years, then it’s better to opt for the cover now, as you’ll cover the waiting period well in time and will be able to use the cover to its fullest benefit.
In cases, where you or your spouse is already pregnant, opting for this add-on won’t really be approved as per most insurance guidelines. Therefore, we recommend to always plan ahead and opt for the cover early on in your individual health insurance policy.
One of the benefits of a health insurance is that you can get a tax exemption of up to Rs 25,000 in a financial year and even more, if you have your senior parents included as dependents in your plan. However, one shouldn’t only purchase a health insurance policy to avoid tax, but to ensure they’re safeguarded against medical expenses both big and small.
Therefore, it’s important that you pick a health insurance policy that you think suits you and your family the best. Look at its benefits, additional add-ons, costs and other factors before purchasing the right health insurance policy for you and your family members.
Whether you’re already pregnant or are planning to have a baby soon, here are five important tips to ensure you have a healthy pregnancy.
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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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