Pre And Post Natal Expense Coverage Under Health Insurance – Explained

Motherhood is a journey unlike any for women. The experience of having a life grow inside them and the joy of bringing that life into the world is surreal. However, pregnancy is something that is quite delicate and requires constant care and caution. The well-being of both the mother and the child is the topmost priority. There are different precautions that need to be taken at every stage of the pregnancy and after the pregnancy as well. However, such precautions can be expensive, especially due to the rising cost of healthcare. If you have  health insurance, the pre- and post-natal expenses will be covered by it.*

Read on to know more about this coverage.

What is maternity coverage?

During pregnancy, there are various tests and check-ups that need to be carried out at different stages. These are done during and after the pregnancy. As these medical procedures can be expensive, your medical insurance planlets you include the maternity coverage rider as a part of the policy’s overall coverage. Maternity coverage helps in taking care of all the expenses related to pregnancy, be it during pregnancy, during childbirth,orafter childbirth. *  Some insurers have started offering it by default in their health insurance plans for family. However, you must read the insurance documents carefully to get a better idea. *

What are pre- and post-natal expenses?

The term ‘natal’ means that which is related to childbirth. So, pre-natal and post-natal essentially mean pre-childbirth and post-childbirth.

The following are the pre- and post-natal expenses covered by the maternity coverage rider:

• Pre-natal expenses: In pre-natal expenses, the charges for visits to the doctor, ultrasound, sonography, and so on, are covered. These tests are necessary to ensure that the health of the mother and the child is good and there are no complications or problemsfor either of them. Expenses incurred at least 30 days before hospitalisation might get covered by the maternity cover. *
• Post-natal expenses: In post-natal expenses, any check-ups following the delivery of the baby are covered. It also covers doctor’s consultations and any emergency procedures that might be performed on the mother or the child. The immunisation of the baby is covered, too. Any required additional stay in the hospitalwill be covered as well. Post-delivery expenses of up to 60 days might come under this coverage as well. *

Other inclusions of maternity coverage

• Charges incurred during the hospitalisation of the mother, such as consultation charges, room charges, nurse charges, and ambulance rent. *
• Charges related to the delivery of the baby, either for natural birth or caesarean birth. *

Check with your insurer if maternity coverage is offered at their network hospitals where you could opt for cashless treatment. *

Exclusions of maternity coverage

The maternity coverage does not include expenses of medicines not related to childbirth. It also does not cover the cost of treatment of any complications that might have been caused due to a pre-existing illness. If any infertility treatments were carried out before the pregnancy, those also will not be covered. *

Conclusion

Along with the pre-natal and post-natal expenses, the points mentioned above come under the maternity cover inclusions and exclusions. Having cashless health insurance in such situations is beneficial as you could avail of great health services in a network hospital.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

*Standard T&C apply