Women Fitness

Women Fitness is an exhaustive resource on exercise for women, workouts for women, strength training, Zumba, HIIT, weight loss, workout, fitness tips, yoga, pregnancy.

  • Member’s Login
  • 150 Countries
  • Privacy Policy
  • Disclaimer
  • Site Map
  • Health & Fitness
  • Celebrities
  • News
  • Digital Magazine
  • Shopping
  • Print Magazine
    • Follow
    • Subscribe

Good health

Know these 5 Things about Health Insurance that Covers Maternity Before Starting a Family

January 6, 2023 By Namita Nayyar (WF Team)

Every woman experiences many stages in her life, with motherhood being the most significant. Every woman aspires to have children because it completes her, even though the journey to motherhood is not always easy, and there may be many obstacles to overcome. Women have changed along with the times. Earlier the average woman becoming a mother used to be in their middle 20s, but today women are planning late pregnancy and choosing to become a mother in their 30s.

group health insurance

As women get older, some face issues that can be readily afforded when one purchases health insurance that covers maternity. Therefore, a woman needs a health insurance plan that includes coverage for maternity benefits. An ideal plan would pay for hospitalisation, prescription drugs, diagnostic tests, and other postpartum childcare costs.

There are five things you should know about maternity health insurance in India:

1. Financial Protection

The average cost of delivering a child is about 50,000 to 1 lakh, though this can change depending on the hospital you select. Most people believe they will gather the financial backup by saving for it and later use it during pregnancy, but this fund can be compromised during times of emergency. However, the way that today’s youth live has changed, having a significant impact on their health and even complicating pregnancy. Health insurance that covers maternity is a must-have in today’s world, as childbirth costs are too high for a middle-class family to handle in one lump sum.

2. Starting Early

Most health insurance that covers maternity has a waiting period before the benefits of insurance kick in, which can range from 1 to 3 years according to the policy chosen, and only then can a policyholder make a claim. To ensure that the waiting period is completed by the time a couple is ready to become parents, they should purchase the policy before planning a family.

3. Add-on or Dedicated Policy

You can choose between two options while purchasing a maternity cover. You can choose a dedicated maternity insurance plan or comprehensive health insurance that covers maternity as an add-on benefit. The better option is to get exclusive maternity health insurance, which may be more expensive but has a shorter waiting period of 9 months to 2 years. A maternity-specific health insurance plan also covers the newborn. Joy Maternity Insurance Plan by Care Health Insurance not only gives protection to the mother but also protects the newborn for up to 90 days.

4. Maternity Benefit Act

Health insurance covering maternity should be purchased before conceiving and not after because it is considered a pre-existing condition, and insurers will not cover the expenses if purchased. Suppose you are a corporate employee and also a soon-to-be mother. In that case, many organisations offer maternity benefits to cover medical expenses and maternity leave of up to 26 weeks under the Maternity Benefit Act 2017.

5. Policy Coverage

Health insurance that covers maternity reimburses the costs incurred during childbirth. These costs include delivery expenses, pre-hospitalisation for up to 30 days and post-hospitalisation for up to 60 days, pre and post-natal expenses, and newborn cover.

Many couples fear starting a family because of the additional costs of having a baby. However, you can plan a baby without worrying about the financial burden if you have maternity insurance. It is also correct that medical costs for childbirth are rising each day, and only maternity insurance can help you cope with the expenses. Many insurance companies now offer health insurance that covers maternity to new policyholders. Compare all of the plans, as well as their features and benefits, and then choose the best maternity health insurance policy that meets your requirements and needs.



Disclaimer
The Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.

Download Women Fitness App

Namita Nayyar
President
Women Fitness
Launches First Book

A rare insight into the life of 15 Track and Field Women World and Olympic Champions


Paperback Edition



Kindle Edition

Digital Magazine Sign-Up

NewsLetter Sign-Up

 

Digital Magazine Available On

Available On Readly App

Available On Magzter

Advertise With Us






Categories

  • Beauty & Fashion
  • Building Strength
  • Calorie Catch
  • Celebrities
  • Diet & Optimum Nutrition
  • Disease Management
  • Exercise & fitness
  • Fertility & Pregnancy
  • Good health
  • Motivation Point
  • Weight Loss
  • Sexual Health
  • Target Abs
  • Women at 40
  • Yoga & Meditation
  • Others





Women Fitness App
Download Women Fitness App


  • facebook
  • Twitter
  • Linkedin
  • Pinterest
  • Instagram

For More Fitness Tips & Secrets, Join Our Mailing List!

JOIN WF

  • Newsletter Signup
  • Why WF
  • Advertise With Us
  • Digital Magazine
  • Print Magazine

Absolutely Free

  • WF Categories
  • Fitness Tools
  • Low Calorie Recipes
  • Calorie Catch
  • WF Entertainment

All About Us

  • About Namita
  • Team
  • Achievements
  • Testimonials
  • Contact Us

© by Womenfitness.net 1999–2023. All rights reserved.

All Categories

  • What’s New
  • Weight Loss
    • Obesity
    • Low Calorie Recipes
    • Real Weight Loss Stories
    • Fitness Tools
    • Daily Tip
    • Fitness Analysis
    • Motivation of the Day
  • Exercise
    • Body building
    • Fitness for Models
    • Target Abs
    • Women At 40
    • Motivation Point
  • Healthy Eating
    • Calorie Catch
    • Disease Management
    • Good health
    • Herbs
  • Beauty & Fashion
    • Eye Care
    • Hair Care
    • Hand & Foot Care
    • Make Up
    • Skin Care
    • Beauty Tip
  • Celebrities
    • Actresses
    • Celebrities & Fitness Trainers
    • Sportswomen
    • Celebrity List
  • Pregnancy
    • Fertility & Conception
    • Health During Pregnancy
    • Getting Back to Normal
    • Problems in Pregnancy
    • Due Date calculator
    • Sexual Health
  • Yoga
    • Beauty & Yoga
    • Yoga during Pregnancy
    • Meditation Point
    • The Yogic Diet
    • Weight loss Yoga
    • Yog – Asanas
    • Yoga & Disease Management
    • Yoga in Action
  • Contact
    • About Namita
    • Our Team
    • Advertize with Us
    • FAQ
    • Message Board
    • Contact Us
  • Shopping
    • Book & Mag. Store
    • Fitness Apparels
    • Fitness Music
    • Fitness Dvd’s
    • Maternity Store
    • Sports & Outdoors
    • Health Care Store
    • Natural Health Foods
    • Herbs & Spices
    • Beauty Shop
    • Jewelry Store
    • Flowers
    • Health Care Equip.
    • Diet & Nutrition
    • Health Mobile Apps
    • Sex Lubes Store
  • More
    • Testimonials
    • Awards
    • WF Links
    • Privacy Policy
    • Site Map
    • Disclaimer
    • News
    • Member’s Area
    • Reviews

Follow

  • facebook
  • Twitter
  • Linkedin
  • Pinterest
  • Instagram
Go to mobile version