What is covered under maternity benefits?

[nik]

What is covered under maternity benefits?

[Neha]

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

[ayush.shukla]

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.

[hayat]

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.