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Frequent Contributor
nik
Posts: 119
Registered: ‎31-03-2016

What is covered under maternity benefits?

What is covered under maternity benefits?

Anuj Shergil
3 REPLIES 3
Contributor
Neha
Posts: 21
Registered: ‎12-04-2017

Re: What is covered under maternity benefits?

Maternity benefits include expenses for the delivery of child or expenses related to lawful termination of pregnancy.

Contributor
ayush.shukla
Posts: 56
Registered: ‎03-04-2017

Re: What is covered under maternity benefits?

Medical expenses related to maternity/pregnancy are covered:

 

In the form of riders, for which, health insurance companies charge extra premium
Under the umbrella of ‘OPD Expenses, for which extra premium is not required
In a group insurance policy by your employer.


Before opting for any maternity insurance policy, it is important to understand that such policies have a waiting period of 3 to 4 years (varies from insurer to insurer). Thus, maternity health insurance can be treated as a critical aspect of a planned pregnancy.

Frequent Contributor
hayat
Posts: 106
Registered: ‎22-03-2016

Re: What is covered under maternity benefits?

Maternity benefit is usually provided as an add-on or additional rider with your main health insurance policy. This benefit covers expenses related to both baby delivery options – caesarean and normal delivery. Some insurance service providers prefer to provide maternity benefit as a rider or additional service and lower the burden on your pocket. Some corporates offer their women employees the benefit of maternity insurance along with a health insurance policy. Also, in a majority of corporate group policies, maternity is a rider (add-on benefit). Some of the benefits of maternity insurance are pre and post hospitalization wherein pre hospitalization costs up to 30 days prior to the date of admission is covered.