By Sapna Desai

In a country like India, where women constitute approximately 49% of the population, only a portion of those aged 15–49 were covered under health insurance between 2019 and 2021, according to data from the National Family Health Survey India report.

The anticipation of parenthood triggers a lot of excitement and joy. It also exacts financial commitments right from the stage of pregnancy. Let’s explore why adding maternity coverage to your health insurance plan is essential.

In a country like India, where women constitute approximately 49% of the population, only a portion of those aged 15–49 were covered under health insurance between 2019 and 2021, according to data from the National Family Health Survey India report. According to media reports, doctors say that about 5% of newborns require 2-3 months of treatment in the Neonatal Intensive Care Unit (NICU) for serious infections, birth complications, or congenital abnormalities. This underscores the importance of maternity insurance, which offers comprehensive financial protection for expectant mothers by covering pre- and post-natal expenses, delivery costs, and newborn care.

What is maternity insurance?

A maternity health insurance policy is a specialised form of health insurance that covers medical expenses related to pregnancy, childbirth, and newborn care. It includes costs for standard and C-section deliveries, pre-and post-natal care, hospitalisation, and medications. Available as a standalone policy or an add-on to regular health insurance, it supports up to two pregnancies and offers cashless benefits at network hospitals. Maternity insurance provides financial protection, comprehensive coverage for check-ups and tests, customised plans to suit personal needs, and safeguards against complications like emergency C-sections and preterm births.

What’s included and excluded

A maternity insurance typically covers pre or post-natal maternity expense, complication arising out of or as a consequence of maternity or child-birth. Delivery expenses for both natural and C-section deliveries, such as labour room charges, surgery, and doctor’s fees, are also included. Additionally, the plan covers hospitalisation costs like room charges, nursing care, and anaesthetists. It extends coverage to newborn treatment, particularly for medical issues like respiratory problems often associated with C-section deliveries and includes essential vaccinations for the baby. Many plans also offer the convenience of ashless treatment at network hospitals. Despite its comprehensive coverage, maternity insurance has certain exclusions. It generally does not cover expenses for pre-existing conditions that affect pregnancy or treatment costs for external congenital disease. Infertility treatments, such as IVF, are often excluded.

How to choose?

To choose the right health insurance plan with maternity coverage, start by researching reliable insurance companies online. Carefully review the available plans, paying close attention to their inclusions, exclusions, and critical terms. Select a plan that aligns with your specific needs—for instance, opt for a comprehensive plan if infertility coverage is required, or a focused plan for maternity coverage alone. 

Parting thoughts

Choosing the right health insurance plan with maternity coverage is a crucial step in ensuring financial preparedness for one of life’s most significant milestones. By understanding the inclusions, exclusions, and your specific needs, you can secure a plan that provides comprehensive support during pregnancy and beyond. Investing in the right coverage not only helps manage medical expenses but also ensures peace of mind, allowing you to focus on what truly matters—the health and well-being of both mother and child.

Link: https://www.deccanherald.com/business/personal-finance/the-role-of-health-insurance-in-maternity-care-3362938