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Motherhood is a big part of a woman's life. Not only is it a new phase for a mother but also a family. To make this entire experience overwhelming, motherhood related expenses and responsibilities begin from the day you get pregnant and don't just end when a child is delivered.
If you have decided to start a family, then getting maternity insurance must be your top priority. Here are a few things you must know about maternity insurance in India.
Maternity insurance is an add-on cover that you can choose with a health insurance policy. Maternity insurance covers all maternity-related expenses for the insurer. Anyone between the ages of 18-65 can buy a maternity insurance in India.
Whether it's a normal or cesarean delivery, hospitalization expenses can be heavy on your wallet. Standard delivery cost in a hospital ranges between Rs 50,000 to Rs 80,000 in urban areas. Whereas a C-section delivery costs around 1-2 lakh, depending on complications. However, it is significant to take maternity insurance in India that provides maternity coverage including pre and postnatal expenses. Not only does it reduce the financial burden but also saves money.
Maternity health insurance covers pre and postnatal treatment of both child and the mother. If you haven’t taken any maternity insurance, then it can cost you a fortune.
Here are some factors that should be considered while taking any Maternity Insurance in India.
Health insurance with maternity cover has exclusions. You can read here what is not covered under the policy:
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