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Welcoming a new life into your world is a joyous and significant occasion. While it is set to bring several beautiful memories, bringing a new life into this world does not come cheap.
Now, you will say that you have bought so you do not have to worry. Well, many people only buy basic health insurance, which does not cover maternity costs. This is where maternity cover or pregnancy health cover comes in!
So, what is pregnancy insurance, and how does it benefit the women planning their pregnancy journey? Let us delve into the details and explore its importance.
Maternity insurance, also called pregnancy insurance, is an optional add-on to health insurance policies that provides financial coverage for medical expenses related to pregnancy and childbirth.
It also covers complications during pregnancy, caesarean delivery costs and any other medical needs for both the mother and the child, ensuring comprehensive protection.
It is estimated that bringing a new life into this world can cost anywhere between ₹1.5 lakhs - ₹2.5 lakhs. Pregnancy insurance plans provide vital financial protection by covering the high costs associated with pregnancy and childbirth.
It reduces your financial burden and ensures you experience this significant and beautiful moment in your life stress-free.
Pregnancy health coverage provides comprehensive protection against expenses related to delivery, prenatal and postnatal care and newborn baby care.
Due to extended hospitalisation stays, maternity-related hospitalisation expenses can turn out to be exorbitant. These costs can quickly accumulate, making maternity insurance extremely beneficial.
Pregnancy health cover also includes preventive and post-natal care, including post-delivery medical consultations, vaccinations for the newborn child and routine check-ups. It ensures you and your child receive the most required medical attention when in extreme need.
Maternity-related hospitalisation expenses can be substantial, especially when unexpected complications arise. This might indicate the need for additional medical procedures and special care, increasing the overall cost.
A maternity insurance cover from Reliance General Insurance provides coverage for these unexpected complications.
Knowing that you are financially prepared for the big event, you can remain peaceful throughout your pregnancy and focus on your health and well-being, which is utmost essential.
The age eligibility for purchasing the Reliance Health Infinity Insurance plan is between 10 to 65 for adults. The maternity cover benefits are available for females between the age group of 18 to 45 years. The age is calculated based on completed years.
The waiting period to be eligible for maternity insurance benefits differs between the plan options. For example, our Reliance plan offers maternity coverage with a waiting period of 1 or 2 years.
With maternity insurance cover, you can benefit from an extensive coverage that can cover a wide range of expenses for pregnancy and childbirth, ensuring the well-being of you and your newborn child.
With the Reliance General Insurance cashless claim facilities, you can ensure a stress-free pregnancy experience at a network or non-network hospital while we settle the bills directly with the hospital.
According to the Income Tax Act, the premium amount you pay for a health insurance policy will apply for the tax deduction benefit under Section 80D.
Are you a newlywed couple thinking about starting a family soon? It is a wise decision to get a pregnancy insurance plan well in advance because there is usually a waiting period of 1 to 2 years before you can make any claims.
This is why it is advisable for you to buy this plan as early as possible so that when you are ready to start the family, you do not have to worry about the waiting period.
In addition, if you suffer from a pre-existing health condition, such as diabetes or high blood pressure, there can be an additional waiting period. Purchasing maternity insurance well in advance ensures that you are financially prepared for a happy parenthood.
With Reliance General Insurance, you can easily purchase this plan online from the comfort of your home. In addition, you can benefit from a discount of 40% on your premium when you buy health insurance plans online.
The pregnancy health cover benefits can be claimed in a few simple steps for both cashless and reimbursement claims.
Reliance General Insurance, No. 1-89/3/B/40 to 42/ks/301, 3rd Floor, Krishe Block, Krishe Sapphire, Madhapur, Hyderabad 500081.
Send the scanned copies within seven days to help us proceed further and process the claim faster.
Choose a reputable insurer with a high claim settlement ratio. Research customer reviews and feedback to analyse the reliability and service quality to ensure a good experience.
Understand and thoroughly review the policy inclusions and exclusions to ensure all the necessary aspects of treatment expenses that you are looking for in the pregnancy insurance plan.
Check the waiting period to be eligible for the maternity insurance benefits. Choose a plan with a shorter that aligns with your healthcare needs.
Examine the eligibility criteria for insurance for pregnant women to avoid discrepancies at the time of claim settlements.
Research the different options for maternity insurance plans online, compare their features and benefits to decide the most-suited and affordable solution.
Pregnancy health cover also addresses the healthcare needs of your newborn. Ensure that the policy offers comprehensive protection, including routine consultations and vaccinations.
If you are susceptible to medical complications, you might have to abort your pregnancy. Check if the insurer covers expenses towards the lawful medical termination of the pregnancy if necessary.
Check if the insurer offers maternity insurance coverage for more than one child, especially if you have plans to expand your family in the near future.
Now that we know what is maternity coverage, it is time to make prudent decisions concerning your future family goals. Keep the waiting period in mind and ensure you purchase the pregnancy health cover well in advance.
By covering the medical treatment expenses related to pregnancy and childbirth, you can focus on the well-being of you and your child without taking the stress of mounting medical bills.
Reliance General Insurance offers with maternity cover, competitive premiums and cashless services. Explore our plans and secure your maternity coverage today!
Generally, maternity insurance plans come with a waiting period, and it differs between insurance providers. Reliance General Insurance offers maternity cover with a waiting period of 1 or 2 years as per your choice in its plan.
Yes, maternity insurance covers the medical expenses for a newborn baby, including vaccinations.
Pregnancy cannot be considered a pre-existing condition and it cannot restrict the purchase of a health insurance policy. However, opting for the maternity cover may not be applicable as it involves going through a waiting period.
The coverage benefits can vary between insurance providers and policy options. Therefore, it is important to go through the policy terms and conditions to understand if the coverage is applicable to more than one delivery expense.
The documents required can vary depending on the individual circumstances. Some of the common documents required are:
Unfortunately, there are no maternity insurance plans with no waiting period in India. Maternity insurance plans typically require a waiting period, so coverage cannot be obtained if you are already pregnant.
The minimum and maximum sum insured can vary depending on the choice of plan option and its specific terms and conditions. With our plan, you can get covered for up to ₹1 lakh or ₹2 lakhs based on the coverage you have selected.
Yes, caesarean expenses are covered under maternity insurance plans.
The maternity insurance premium is generally higher due to the high certainty of the insured event, childbirth. It is calculated based on various factors such as age, health condition, sum insured, waiting period and the specific underwriting guidelines.
*Disclaimer: T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
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