Maternity health insurance is an essential coverage that expecting mothers should consider for the sake of their and their baby’s health. It provides financial assistance for expenses related to pregnancy, childbirth, and postnatal care. There are several health insurance plans in India that offer maternity benefits, and in this article, you can learn about the top 2 plans for expecting mothers and newborns.
HDFC ERGO Maternity Health Insurance Plan:
HDFC ERGO is a renowned name in the insurance industry and has a range of insurance plans that cater to different needs. The Maternity Health Insurance by HDFC ERGO is one such plan that provides comprehensive coverage for pregnancy-related expenses.
Benefits:
- The plan covers expenses related to both normal and caesarean deliveries, including pre and post-hospitalisation expenses.
- It also covers newborn expenses, including vaccination and hospitalisation costs.
- The plan provides coverage for any congenital diseases or birth defects that the baby might have.
- The policyholder can avail of cashless hospitalisation in any of the network hospitals.
Coverage:
The HDFC ERGO Maternity Health Insurance Plan covers the following expenses:
- Pre-hospitalisation expenses up to 30 days before admission.
- Delivery-related expenses, including room charges, surgeon fees, and anesthesia charges.
- Post-hospitalisation expenses up to 60 days after discharge.
- Coverage for newborn expenses, including vaccination and hospitalisation costs up to 90 days after birth.
- Coverage for any congenital diseases or birth defects that the baby might have.
Premiums:
The premiums for this plan depend on various factors such as the age of the mother, the chosen sum insured, and the city of residence.
Niva Bupa Health Insurance Maternity Cover Plan:
Niva Bupa Health Insurance is another prominent name in the health insurance industry and offers a comprehensive maternity cover plan that provides coverage for pregnancy-related expenses.
Benefits:
- The plan covers both normal and caesarean deliveries, including pre and post-hospitalisation expenses.
- It also covers newborn expenses, including vaccination and hospitalisation costs.
- The policyholder can avail of cashless hospitalisation in any of the network hospitals.
Coverage:
The Niva Bupa Health Insurance maternity cover plan covers the following expenses:
- Pre-hospitalisation expenses up to 30 days before admission.
- Delivery-related expenses, including room charges, surgeon fees, and anesthesia charges.
- Post-hospitalisation expenses up to 60 days after discharge.
- Coverage for newborn expenses, including vaccination and hospitalisation costs up to 90 days after birth.
Premiums:
The premiums for this plan depend on various factors such as the age of the mother, the chosen sum insured, and the city of residence.
Super Top Up Health Insurance:
In addition to maternity health insurance, expecting mothers should also consider a super top up health insurance. It provides additional coverage over and above the existing health insurance plan and helps to cover the high medical expenses that come with pregnancy and childbirth.
Benefits:
- A super top up health insurance Plan offers higher coverage at an affordable premium.
- It covers expenses that exceed the threshold limit of the existing health insurance plan.
- It provides coverage for hospitalisation expenses, including room charges, doctor fees, and medication costs.
- The policyholder can avail of cashless hospitalisation in any of the network hospitals.
Conclusion:
Maternity health insurance is a crucial coverage that every expecting mother should consider to ensure that they have adequate financial protection during pregnancy, childbirth, and postnatal care. HDFC ERGO Maternity Health Insurance Plan and Niva Bupa Health Insurance maternity cover plan are two of the top plans that offer comprehensive coverage for maternity-related expenses. Additionally, a super top up health insurance Plan can provide additional coverage at an affordable premium.
