Introduction
Hello friends, in this post, we are going to discuss the best maternity health insurance plans in detail. Generally, when a new arrival is expected in your family, it’s a joyous occasion. But at the same time, considering the current hospital expenses, it’s also something that requires a significant budget. So, if you opt for a health insurance plan with the right maternity benefits, you can easily manage your medical expenses.
Star health assure
In this post, we are going to look at five important insurance plans. First, we will look at Star Health Insurance. Their ‘Women Care’ policy is very famous for maternity benefits. One special feature is that you can claim maternity benefits in just 24 months, or two years, after taking the policy. In other policies, this waiting period is usually three or four years. Besides delivery expenses, they also cover the vaccination costs for the child.
Niva Buba aspires
Secondly, we will look at Niva Bupa. Their ‘ReAssure’ plan offers maternity benefits as an add-on. A major advantage is that the claim amount they provide is quite high, suitable for modern treatments.
Thirdly, Care Health Insurance. Their ‘Joy’ plan is specially designed for maternity. Its waiting period is only nine months. Even if you take out this policy nine months before delivery, you will be able to claim it. However, its premium will be slightly higher than other policies.
Fourth is the HDFC ERGO. Their ‘Optima Secure’ plan also includes maternity cover. The cashless facility in this plan is excellent. That is, you can receive treatment at many network hospitals without paying cash up front.
Aditya birla active one
Finally, we will look at Aditya Birla Health Insurance. Their plan includes maternity cover and also covers any complications the baby might have.
So, if you are taking out a maternity health insurance policy, you should pay attention to three main things. One is the waiting period; that is, how long after taking out the policy will they provide coverage for delivery? The second is the sub-limit; for example, if you take out a five-lakh policy, they will have a separate amount allocated for delivery, and you need to check how much that is. The third is newborn baby cover; you need to check if the insurance will cover any expenses for the baby from birth onwards.
Thank you.