A child ushers in a new era for the whole family, promising joy and happiness. While this new life may bring a whole new energy into your home, expectant mothers require ongoing medical attention and care. The nine months leading up to the delivery of the baby are spent going to the doctor on a frequent basis.
However, giving birth to a new life in this world is not cheap and might cost you a lot of expenses. Due to rise in prices of basic healthcare in our country, it is crucial to invest in the best insurance plan for pregnancy to safeguard your savings as well as get the necessary financial support.
Though you might have health insurance, it usually doesn’t cover pregnancy expenses unless you’ve bought a premium package that covers it. Here are some things you should look for to find the best insurance plan for pregnancy:
- Maternity Care
- New-Born Baby Cover
- Pre- and Post-Hospital Expenses
- Inpatient Care
- Day Care Treatment
- Ambulance Care
- Family Floater Option
- Coverage for Single Private Room
- Direct Claim Settlement
- Tax Benefit
- Free Look Period of 15 days
Now let us have a look at the benefits that you get with the best insurance plan for pregnancy:
Maintaining financial stability through one of life’s most precious moments is crucial. A maternity benefit cover in your health insurance will ensure that you don’t have to dip into your savings and that you enjoy a stress-free birth and start as a parent.
Some common benefits of health insurance for pregnancy and maternity are listed below:
- Cashless Hospitalization- One of the benefits of the best insurance plan for pregnancy is cashless hospitalization. This keeps you stress-free from making arrangements for cash at the last minute during the rush for delivery.
- In-patient Care- There can be several complications while you deliver a baby. You need not worry about it if you have the best insurance plan for pregnancy. Another benefit is that it covers hospitalization expenses to ensure that you get complete in-patient care.
- Day Care Treatment- This plan ensures that you can avail the treatments done under the daycare instead of hospitalization too. The pregnancy insurance policy cover covers all daycare treatments.
- Advanced Technology Methods- There are several advancements in the medical field every day. As helpful as they are, modern procedures can also be heavier on your pocket. Having the support of the best insurance plan for pregnancy can relieve you of your financial burdens and leave no room for compromise when it comes to you and your baby’s health.
- Newborn baby cover- The maternity or pregnancy plan is not only limited up to the mother and her pregnancy and delivery coverage. Your newborn child receives the insurance cover up to the first 90 days under health insurance with maternity coverage.
- Pre- and post-Hospitalization cover- The best insurance plan for pregnancy covers the pre-and post-hospitalization expenses as well.
- Long Term Policy- You can take the policy for a long term and need not worry about your pregnancy policy renewal. The best insurance plan for pregnancy cover can be availed as a 3-year-long policy too.
- Discounts-Now the best insurance plan for pregnancy is indeed the one that gives premium discounts to their customers. Well-known insurance providers such as Care Insurance provide a premium discount of up to 10% off while you opt for a multi-year policy. This reduces the premium amount, making it easier for to-be parents to plan their finances.
Pregnancy is considered a very crucial stage in a woman’s life. With the best insurance plan for pregnancy, the financial challenges during your pregnancy journey can be reduced. So, make sure you choose the right policy after carefully assessing and comparing the benefits of the policy to avoid any disappointments in the future.
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