Prepare for the Future With 5 Benefits of Health Insurance with Pregnancy Cover
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Prepare for the Future With 5 Benefits of Health Insurance with Pregnancy Cover

November 29, 2021

For mothers, pregnancy is one of the most fulfilling experiences as they bring new life into the world. However, motherhood can also be full of unexpected bumps as the medical procedure may become complicated and require greater financial resources. 

Both pre and post-birth expenses can be challenging as you may need large sums of money unexpectedly. Maternity insurance offers maternity health coverage that will enable you to cover these expenses. Getting health insurance with pregnancy cover helps you provide the best healthcare facilities for your baby and mother without having to worry about money.

Let’s take a look at some of the benefits of health insurance with pregnancy cover and other important things you should know!

Why Should You Get Health Insurance with Pregnancy Cover?

The average cost of a healthy pregnancy procedure is quite high in major cities, ranging from Rs 80,000 to Rs 1 lakh, depending on the complications. With inflation on the rise, this cost is only set to climb higher. It is good sense to set aside an amount for the same and invest in health insurance with pregnancy cover. It helps you get additional benefits and gives you much-needed peace of mind for a hassle-free birth.

5 Benefits of Health Insurance with Pregnancy Cover

Maternity Insurance ensures that expecting mothers and their families can have a hassle-free birth. It helps you get financial stability and prepare for unexpected expenses. Let’s take a look at some of the benefits of health insurance with pregnancy cover that is crucial if you want to ensure you are prepared for any medical expenses.

  • Direct Claim Settlement- If you need emergency care or are planning a hospital stay, all you have to do is present the insurance card at the insurer’s network health care providers and you can access the cashless facility.
  • Tax Benefit- Another benefit of taking health insurance with pregnancy cover is the tax benefit. This policy provides good medical care for mother and infant, and it also entitles you to a tax benefit as per the Income Tax Act 1961.
  • Maternity Cover- Prenatal and postnatal expenses can increase financial stress and is something you should be prepared for. Insurance covers this and provides quality medical care that allows the mother and child to recover faster.
  • New-born Baby Cover- The health insurance with pregnancy cover also typically includes a new-born baby coverage, which means the insurer will take care of your new-born during his or her first 90 days.
  • Free Look Period- Some insurers may also give you the option for a free look period.
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According to a study, about 8% of all pregnancies can result in complications that can potentially harm the baby and the mother. If you’re planning a family, health insurance with pregnancy cover is helpful to avoid the financial troubles that can arise due to such situations.

When Should You Think About Getting Health Insurance with Pregnancy Cover?

If you haven’t enrolled in health insurance with maternity coverage, now is the time to do it if you are thinking of starting a family. There is typically a waiting period that ranges from nine to twenty-four months.

The research for your policy should begin well in advance as you may have to contrast and compare several options. Many top health insurers offer this cover, and you should read all the terms to ensure that the policy is the perfect fit for you.

Taking a pregnancy insurance cover helps you safeguard your future and ensure that the journey to parenthood is pleasant and without additional problems. The cashless hospitalizations and maternity cover make it a seamless process. Make sure you get one in advance and welcome the new member of your family with a smile on your face!

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