Importance of Health Insurance Cover During Pregnancy read

Jul 27 2020


Buying pregnancy insurance is one of the best ways to cover the expenses of maternity. The rising medical costs has compelled couples, planning to expand their families, to search for appropriate financial aid. In such cases, getting a pregnancy insurance policy is a viable option.

However, the policy conditions in maternity insurance can be cumbersome to understand. For instance, even if you have a maternity policy, did you know that to enjoy the cashless benefit, you will have to wait for 2-6 years? There are various such terms and conditions that one must get clarity about when it comes to maternity insurance.

Have you purchased the best insurance during pregnancy and then delivery? If you aren’t sure, here are a few facts that would help you assess the efficiency of your existing maternity insurance; or even help in buying a new policy.

What is insurance covering pregnancy and delivery?

The Maternity Insurance covers pregnancy and delivery, including all medical expenses related to pregnancy. The cost of pregnancy and delivery is at its highest. Moreover, the risk of complication during pregnancy and childbirth are also evident. This is where you need a robust solution. Having a cover for financial expenses allows expecting couples to enjoy stress-free pregnancy. With the change in lifestyle, insurance for pregnant women has become a must, especially considering the risk factors and the high costs involved.

What are the features and benefits provided under pregnancy insurance?

The features and benefits of maternity insurance differ from one policy provider to another. However, in general, the salient features of maternity insurance include:


The coverage or inclusions offered under maternity insurance differ from policy to policy and usually includes:

  • Hospitalization expenses with a limit
  • Pre & Post hospitalization expenses
  • Delivery expenses
  • Vaccination charges for the infant
  • Ambulance charges
  • Pre and post-natal expenses
  • Emergency cover with a limit


There are some exclusions as well, things that aren’t covered under the maternity policy. This includes:

  • Non-allopathic treatment expenses
  • Consultation Charges
  • Regular general check-ups
  • Medication costs
  • Dental treatment expenses
  • Congenital diseases
  • Termination of pregnancy (under 12 weeks)
  • Pre-existing diseases
  • AIDS treatment-related expenses
  • In-vitro fertilization and infertility-related expenses


The premium in case of maternity insurance is higher than any other insurance policy. It is because of the high risk and full compensation factor associated with maternity insurance.

These are some of the conditions covered under the pregnancy insurance policy. You must read and understand the policy terms thoroughly before buying a maternity policy to enjoy full benefits.

Lastly, have a look at the most important aspect viz. Waiting Period-

This is one of the essential elements to consider while buying insurance for pregnant women. Usually, the waiting period, the time before which no claim can policy and benefits redeemed, ranges from 2-6 years. However, in the case of a group insurance policy, the maternity cover waiting period is not more than 9 months, depending on whether the provider has opted to add maternity to the group plan or not.

Now that you have the information at your disposal, do make an informed choice.