Becoming a parent is a world’s happiest moments for every couple. The moment becomes precious when a small baby with closed eyes enters into the life. Parenthood comes with a lot of amenabilities. This takes a lot more than what you think. As a parent, this is important to secure the life of the newborn as well as the mother. When it comes to secure the future insurance is what comes into everyone’s mind. Hospital bills, medians, medical tests can be very expensive and provide the best healthcare is important too. At these delicate moments insurance makes it quite a bit easy for your pocket. Most of the insurance companies do not offer Maternity Insurance to women who are already pregnant so it becomes essential to plan a pregnancy. Having a good understanding of what the insurance covers and what is excluded are important.
Below is a list of companies that offer Maternity Insurance-
Royal Sundaram Master Product – Total Health Plus
This package comes with maternity benefit of up to 30-50 thousand. Royal Sundaram Master Product – Total Health Plus plan comes into effect after 3 years of waiting so, you have to plan the pregnancy. The key benefit of this insurance is Hospitalization expenses, Daycare expenses, Pre & Post hospitalization expenses, Ambulance charges, Master health check-up.
Apollo Munich Insurance – Easy Health Family Floater
Apollo Munich-Easy Health Family Floater comes with three plan Standard, Exclusive and Premium plan. Standard does not cover Maternity Benefit whereas Exclusive and Premium cover the Maternity Benefit with the optional coverage for a newborn baby from birth (day1-90) for in-patient treatment. Maternity expenses including pre/post natal expenses after completion of the specified waiting period are also included in the policy of 3-4 years.
Max Bupa – Heartbeat Individual and Family Floater
Max Bupa- Heartbeat Individual and Family Floater by Max Bupa cover maternity insurance for mother as well as newborn both. It has three plans Standard, Gold and Platinum plan and covers for the Maternity Benefits for 2 pregnancies. This is specifically good as it covers insurance up to 2 lakh depending on the package chosen. For the newborn baby vaccination for the first year is also included.
Cigna TTK Health Insurance – ProHealth Plus Plan
Cigna TTK Health Insurance –Prohealth Plus Plan is a value for money insurance plan. As it covers the insurance comes with Maternity Benefits for mother and newborn baby with the vaccination. Coverage up to 15,000 for normal delivery and 25,000 for c-section delivery is provided. The hospitalization of the newborn (if needed) is covered up to sum insured for the maternity coverage. This insurance has a waiting period of 4 years.
Star Health Wedding Gift Plan
Star Health Wedding Gift Plan comes with Maternity Benefit with pre and post natal expenses, child delivery coverage of 15,000-25,000 and newborn baby hospitalization expense up to 50,000. There is a waiting period of 3 years.
The insurance of already pregnant women is not covered by any insurance companies. So it is best in the interests of a family head to prior to starting a family planning must be done and every aspect should be kept in mind. This not only helps with a smooth life but a happy and fulfilling life too.
