What is the period of coverage applicable to pre and post-natal expenses in health insurance?

In health insurance, pre and post-natal expenses means medical expenses applicable from the date of conception up to the actual birth date of the child and medical costs that arise after childbirth for one month.

Does health insurance coverage for pre and post-natal expenses have a waiting period?

Yes, a waiting period of 12 months or 24 months applies to maternity cover in health insurance policies that include pre and post-natal expenses.

Can I add the maternity cover to my existing health insurance policy?

Yes, you can add the maternity cover to your existing health insurance policy. However, the coverage will be applicable after a waiting period of 12 or 24 months, as applicable.

Does maternity cover include coverage for IVF treatments?

No, maternity cover does not apply to IVF treatments.

Are post-natal expenses covered for caesarean deliveries?

Yes, post-natal expenses, including inpatient care, are covered for caesarean and normal deliveries alike.

How long are post-natal expenses covered after childbirth?

Post-natal expenses are covered generally for a period of one month after childbirth.

Can I claim both inpatient and outpatient care expenses under pre and post-natal expenses in health insurance?

Yes, you can claim both inpatient and outpatient care expenses under pre and post-natal expenses covered within the maternity limit, subject to a specific upper limit.

How many deliveries and related expenses can be covered under maternity cover?

The payment for pre and post-natal expenses under the maternity benefit is generally applicable for a maximum of two deliveries or terminations.

Can maternity cover be purchased as a stand-alone policy?

No, maternity cover can be purchased as an add-on to your health insurance policy. It is not available as a separate policy for health insurance coverage.

What is the limit for pre and post-natal expenses in health insurance?

The maximum limit for the coverage for pre and post-natal expenses in health insurance is the sum insured applicable to maternity cover.

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Pre and Post-Natal Expenses in Health Insurance

Name: Pre-And post Natal-Expenses
Brand: Reliance General Insurance
Rating: 4.2 (158 reviews)

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Pre and post-natal expenses in health insurance refer to a broad range of healthcare expenses incurred by a woman during and after her pregnancy.

While she prepares for the momentous arrival of her newborn, it is important that she is in her best health. Reliance General Insurance offers health insurance with extensive coverage for pre-natal and post-natal expenses at an affordable premium.

Here is everything you need to know about pre and post-natal expenses in health insurance.

What are Pre and Post-Natal Expenses in Health Insurance?

Pre and post-natal expenses means expenses incurred before and after childbirth. The word “natal” in medical terms refers to anything that can be related to childbirth.

Pre natal expenses include medical expenses from the date of conception up to the actual birth date of the child. And post-natal expenses cover medical costs that arise after childbirth for one month.

It includes coverage for medical expenses such as the following:

Inpatient care - Hospitalisation and delivery expenses
Consultation - Regular check-ups and consultations
Diagnostic tests - Ultrasound scans, blood tests, etc.
Medications - Prescribed drugs

A standard health insurance policy typically does not cover pre & post-natal expenses. However, these costs can be covered by opting an add-on that covers pre and post-natal expenses.

At Reliance General Insurance, we offer a maternity cover add-on that includes coverage for pre and post-natal expenses.

What is Maternity Cover in Health Insurance?

Maternity cover in health insurance is an optional add-on that covers medical expenses related to pregnancy and childbirth.

It includes coverage for a wide range of healthcare services, such as pre & post-natal expenses, complicated deliveries, and caesareans. It also covers medical expenses incurred towards miscarriages and lawful medical termination of pregnancy.

The maternity cover can be added at the time of policy purchase or during health insurance renewal.

With our Reliance Health Infinity Insurance Policy, you can buy the optional add-on for Mother and Child Care that includes maternity cover and newborn baby and vaccination cover.

In addition to covering pre and post-natal expenses for the mother, this add-on covers medical expenses incurred for newborn baby care and immunisation for up to 3 months.

Also Read: Maternity Insurance

Importance of Coverage for Pre and Post-Natal Expenses in Health Insurance

Coverage for Pre-natal Treatment	Coverage for Complications	Comprehensive Maternity Cover
Offers coverage for a wide range of pre-natal expenses, such as consultations and diagnostic tests that are insisted at the different stages of pregnancy and delivery expenses.	Financial protection for unexpected complications or emergencies that arise during the course of pregnancy.	Pre and post-natal expenses are included under maternity cover, which also pays for newborn baby care and vaccinations.
Coverage for Post-Natal Treatment	Access to Quality Healthcare Services	Financial Security
Offers coverage for post-natal expenses, such as follow-up consultations and diagnostic tests for recovery.	With adequate sum insured under maternity cover, you can ensure timely access to quality healthcare services for your pregnancy.	Coverage for pre & post-natal expenses can help you save a lot of your hard-earned money. It safeguards you throughout your pregnancy and even after that for a quick and better recovery.
Flexibility	Tax Advantage	Peace of Mind
You can decide on the extent of coverage required for pre-natal and post-natal expenses based on your personal circumstances and financial necessity.	The premium paid for the benefit of health insurance coverage that includes maternity expenses is eligible for a tax deduction under Section 80D of the Income Tax Act 1961, under the old tax regime.	If you are sufficiently covered for all your pre & post-natal expenses, you can lead a peaceful pregnancy. It is what really matters when you are awaiting your newborn.

Features and Benefits of Reliance General Insurance Cover for Pre and Post-Natal Expenses in Health Insurance

Features and Benefits	Details
Affordable Premium	Our maternity cover starts at ₹ /month
Sum Insured	Up to ₹2 lakhs (based on the sum insured)
Coverage	Inpatient care and OPD charges
Policy Period	Applicable to 3-year health insurance plans
Waiting Period	Choice of 12 or 24 months
Network of Hospitals	10,000+
Online Purchase	Zero Paperwork

Reliance General Insurance Cover for Pre and Post-Natal Expenses: Inclusions and Exclusions

The inclusions and exclusions can differ for the specific coverage and health insurance policy. Therefore, it is important to read through the policy document for complete information.

What is Covered Under Pre and Post-Natal Expenses?

Pre-Natal Inpatient Treatment - Medical expenses for inpatient care from the date of conception and up to childbirth.
It covers all expenses related to childbirth, including complicated deliveries and caesarean procedures. It also covers miscarriages and lawful medical termination of pregnancy, except ectopic pregnancy – which is under your primary health plan.
Post-Natal Inpatient Treatment - Medical expenses for inpatient care from the date of childbirth or termination for a period of one month.
OPD Expenses - Pre and post-natal expenses are covered within the maternity limit, subject to a specified upper limit. It includes diagnostic tests, consultation charges, prescription drugs and more.

What is Not Covered Under Pre and Post-Natal Expenses?

Treatments not tied to pregnancy or related treatments
Ectopic pregnancy
Unlawful termination of pregnancy
Treatments for pre-existing health conditions
Claims raised during the applicable waiting period
Expenses related to birth control, sterility and infertility

Standard exclusions such as unprescribed drugs or treatments, intentional self-injury or attempted suicide, use of intoxicating substances, unproven treatments, overseas treatment, and injuries from nuclear attacks are also applicable.

When Should You Buy Health Insurance for Covering Pre and Post-Natal Expenses?

The earlier you purchase a health insurance policy with maternity coverage, the better it is for you.

Maternity cover for pre and post natal expenses has a waiting period. This means you need to purchase the cover and wait through the defined policy period to claim the applicable benefits.

Therefore, it is important to purchase a health insurance policy well in advance before you plan your pregnancy.

With Reliance General Insurance, you have the flexibility to choose a waiting period of either 12 or 24 months for maternity cover under the Reliance Health Infinity Insurance policy.

Factors to Consider Before Buying Health Insurance for Pre and Post-Natal Expenses

Assess your Needs - Enquire the cost of pregnancy in your locality and determine the sum insured required for your maternity cover.
Expenses Covered - Understand what is covered under pre-natal and post-natal expenses and ensure that they meet your requirements.
Network of Hospitals - Although cashless hospitalisation is available everywhere (both in our network and non-network hospitals), the process is simpler in our network hospitals. Check the list of hospitals nearer to your location.
Waiting Period - Understand the waiting period applicable to the coverage and plan the purchase for pre and post-natal expenses accordingly.
Premium - Review the premium for your health insurance policy and enhance your coverage if it is within your budget.
Exclusions - Read through the policy terms and conditions and be very clear about what is not included in the coverage to be prepared.
Claim Process - Understand the claim process and the ease of access to claim benefits to ensure timely financial assistance.

How to Buy Coverage for Pre and Post-Natal Expenses in Health Insurance?

Step 1: Visit our Reliance General Insurance official website.
Step 2: Under the “Explore Products” tab, choose “Health Insurance”.
Step 3: Provide your personal details and click on “View Prices”.
Step 4: Select a suitable policy from the available options and include the add-on for “Maternity Cover”.
Step 5: Provide the necessary details, such as the sum insured, policy period, etc., and proceed to pay the applicable premium.

Documents Required

Proof of Identity - Aadhaar card, Voter ID, Passport, Driving Licence, etc.
Proof of Income - Bank statements, ITR forms, Salary payslips
Proof of Address - Aadhaar card, Ration Card, Passport, Driving Licence, etc.
Medical records, if applicable
Passport-size photographs

How to Claim Pre and Post-Natal Expenses in Health Insurance?

Reliance General Insurance offers seamless processes for a hassle-free claim experience. You can opt for either the cashless claims or reimbursement claim process based on your convenience.

Cashless Claims

Step 1: Notify us about your health insurance claim for pre-natal and post-natal expenses by contacting us in any of the following ways:
- Paid helpline number - +91 22 48903009
- Mobile application - Reliance Self-i App
- Email - rcarehealth@relianceada.com

Make sure you inform us 48 hours prior to hospitalisation and within 24 hours in case of an emergency.

Step 2: Visit our network or non-network hospital accessible nearer to your location.
Step 3: Get the pre-authorisation form from the TPA at the hospital, fill out the details and submit it for approval.
Step 4: After receiving the treatment for your pregnancy or childbirth, verify the bills and leave them at the hospital.
Step 5: We will directly settle the bills with the hospital.

Reimbursement Claims

Step 1: Notify us about your health insurance claim for pre & post-natal expenses by contacting us in any of the following ways:
- Paid helpline number - +91 22 48903009
- Mobile application - Reliance Self-i App
- Email - rcarehealth@relianceada.com
Step 2: Visit our authorised hospital nearer to your location.
Step 3: Receive the treatment and pay the applicable bills out of your pocket.
Step 4: Submit the scanned documents, including your pregnancy medical records, bills and payment receipts to us within seven days of discharge.
Step 5: We will review your claim and reimburse you for the applicable expenses.

Documents Required to Claim Pre and Post-Natal Expenses in Health Insurance?

Original claim form with accurate details
Complete medical records
Discharge summary
Original medical bills
Payment receipts in case of reimbursement claims
Additional documents specific to individual circumstances

FAQs About Pre and Post-Natal Expenses in Health Insurance

What are pre and post-natal?
Pre and post-natal refer to before and after childbirth.
What is the period of coverage applicable to pre and post-natal expenses in health insurance?
In health insurance, pre and post-natal expenses means medical expenses applicable from the date of conception up to the actual birth date of the child and medical costs that arise after childbirth for one month.
Does health insurance coverage for pre and post-natal expenses have a waiting period?
Yes, a waiting period of 12 months or 24 months applies to maternity cover in health insurance policies that include pre and post natal expenses.
Can I add the maternity cover to my existing health insurance policy?
Yes, you can add the maternity cover to your existing health insurance policy. However, the coverage will be applicable after a waiting period of 12 or 24 months, as applicable.
Does maternity cover include coverage for IVF treatments?
No, maternity cover does not apply to IVF treatments.
Are post-natal expenses covered for caesarean deliveries?
Yes, post-natal expenses, including inpatient care, are covered for caesarean and normal deliveries alike.
How long are post-natal expenses covered after childbirth?
Post-natal expenses are covered generally for a period of one month after childbirth.
Can I claim both inpatient and outpatient care expenses under pre and post-natal expenses in health insurance?
Yes, you can claim both inpatient and outpatient care expenses under pre and post-natal expenses covered within the maternity limit, subject to a specific upper limit.
How many deliveries and related expenses can be covered under maternity cover?
The payment for pre and post-natal expenses under the maternity benefit is generally applicable for a maximum of two deliveries or terminations.
Can maternity cover be purchased as a stand-alone policy?
No, maternity cover can be purchased as an add-on to your health insurance policy. It is not available as a separate policy for health insurance coverage.
What is the limit for pre and post-natal expenses in health insurance?
The maximum limit for the coverage for pre and post-natal expenses in health insurance is the sum insured applicable to maternity cover.

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.

Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223

Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.