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Pregnancy or maternity is an indispensable stage in every woman’s life. But before embracing parenthood, you need to be mentally, physically and financially ready for that. Nowadays bringing up a child has become more expensive than ever. It requires a good financial backing to meet the requirements of growing a baby. The best insurance plan for pregnancy is much required that can help in hospital for delivery charges, medical tests and medical bills. A well-organized maternity insurance plan can help in reducing the extra expenses raised during pregnancy. Check out the best maternity health insurance plans in detail.
A general question comes in mind that which health insurance is best for maternity. Though, before we know about the best insurance plan for pregnancy, we should know what maternity insurance is. It is just an add-on cover with the basic health insurance plan you opt for. A maternity insurance plan covers all the due expenses associated with the baby delivery covering both normal and caesarean. In other words, it is an initiative to minimize the financial burden at the time of maternity.
It covers numerous benefits including the pre and post-hospitalization in which pre-hospitalization costs covering up to 30 days before the date of admission at the hospital. Even the expenses of surgeon fee, room and nursing charges, anaesthetist and doctor consultation, etc. also get covered in maternity insurance.
Best Health Insurance Plans with Maternity Coverage
To know which health insurance is best for maternity, we are mentioning the best 5 health insurance plans below:
1. East Health Family Floater by Apollo Munich Health Insurance.
The East Health Family Floater by Apollo Munich Health Insurance offers three different plans for maternity health insurance- Standard, Exclusive and Premium. In these, the standard plan is a normal plan with certain benefits. While the exclusive and premium health insurance plans offer maternity and newborn cover. They cover all maternity expenses both before and after the childbirth, including the expenses related to the newborn baby for the initial three months.
2. Star Health Wedding Gift Pregnancy Cover
The Star Health offers the wedding gift pregnancy cover which gives coverage for a maximum limit up to two deliveries. This maternity plan is also valid for both normal and caesarean delivery. And it takes care of the expenses occur during the pre and post-natal expenses, and any further obstruction if happens for the mother after birth. Whereas, a three-year waiting period is applicable in this plan. Maximum health insurance under this plan is INR 10 lakh in which it also covers the newborn expenses too.
3. Heartbeat Family Floater by Max Bupa
The heartbeat family floater by Max Bupa is one of the best existing plans for maternity health insurance. It provides cover to maternity and newborn in all of its three plans- silver, gold and platinum. All three plans cover everything including first-year vaccinations, maternity benefits up to two deliveries and policyholder and spouse under the policy for continuous two years scheme.
4.ProHealth Plus Plan by Manipal Cigna Health Insurance
This Pro-health plus plan offered by Manipal Cigna Health Insurance covers maternity, newborn and all vaccination expenses. It gives the maximum health cover up to 10 lakh. This maternity plan gives a coverage up to 15,000 for normal delivery and up to 25,000 for caesarean delivery. In this plan, the maternity coverage is available after crossing 48 months.
5. Total Health Plus by Royal Sundaram
The total health plus by Royal Sundaram covers the total insurance in which it provides the benefits up to 30,000 and 50,000. It also covers maternity hospitalization including all the expenses before and after the delivery. Though, you can get the benefits only after a three-year waiting period. Hence, for this scheme, you should plan your pregnancy accordingly to get the required benefits timely.
