How Can Health Insurance Assist In Pre-And Post-Natal Treatment?

What is Pre and Post-Natal Cover?

“Before Birth” means “Pre-Natal”

“After Birth” mean “postnatal”

Maternity expenses include both prenatal and postpartum costs. If you have a health insurance plan that offers protection from maternity-related costs, these costs may be covered. 

Pre and postnatal insurance provides coverage for prenatal expenses like doctor visits, ultrasounds, various tests, medications, etc. Before becoming pregnant, one can obtain coverage, guaranteeing a trouble-free pregnancy. Additionally, postpartum expenses like doctor visits, treatments, and vaccinations for the infant are covered. These plans cover every medical exam and procedure necessary to guarantee the baby’s safety up until delivery. 

You can make sure that you and your child will receive total protection, not just during pregnancy but also before and after, with pre and post-natal insurance. Pregnancy presents emotional, financial, and physical challenges for women. She can be mentally and physically strong with the help of her friends and family, but one needs to have health insurance for individuals policy with maternity coverage to keep themselves financially stable. 

What happens if my health insurance doesn’t cover maternity care? 

Maternity-related health insurance policies frequently have built-in sublimits. For instance, if you have a health insurance policy worth 3-5 lakhs, you will receive maternity coverage for between 25,000 and 50,000 rupees. 

But, you can choose a Maternity Benefit Rider for your base Health Plan if your health insurance coverage does not cover maternity expenses. 

What does maternity health insurance cover? 

A comprehensive health insurance plan covers all pre-natal costs, including medical check-ups, frequent medical scans, and ultrasounds to make sure both the mother and the unborn child are healthy. *

Delivery Costs 

An insured person receives coverage for all medical costs, including labour and delivery fees, under a perfect maternity insurance policy. *

Costs related to childbirth or after delivery 

A thorough health plan will also pay for post-delivery costs like hospitalization, medication, and baby vaccinations in addition to prenatal care. 

Immunisation Coverage 

The following vaccinations are included in this plan’s list: 

• BCGOPV+IPv-B1/OPV 
• Measles, Hepatitis B-1, HibMMR-1 
• HPV Tetanus Toxoid 
• Typhoid 
• MeningococcalDTPw booster-1 or DTPa booster-1 

Exclusions of a Maternity Insurance Plan 

Though there are many benefits to having Maternity Insurance, here are a few aspects that are not covered: 

• Any Pre-Existing Illness that affects pregnancy 
• Expenses incurred for Infertility Treatment Cost of medicines apart from those prescribed by the doctor 
• Doctor’s consultation & check-up fees 
• Congenital Diseases 
• The claim is raised when the allowed number of claims has exceeded 

Claim process to avail maternity coverage 

You can avail of both Cashless (when you’re admitted to a Network Hospital) and Reimbursement (when you’re admitted to a Non-Network Hospital) facilities. 

You can follow the below-mentioned steps to file a claim: 

• Inform the Insurer 
• When you get hospitalised for delivery, you must inform your Insurer first, at the earliest. 
• Submission of Documents 
• Submit the duly-filled Claim Form with all the required documents, which\Verification of Documents 
• Your form will be verified by the hospital and sent to the insurance company claim settlement for processing. 

No-Cash Claim 

As part of the Cashless Claim payment process, the company will settle your bill and pay directly to the hospital after verifying your documentation. *

Claim for Reimbursement 

If you choose reimbursement, you will primarily be responsible for paying the hospital bills on your own. The money will be transferred to the registered bank account after the documents have been reviewed and approved. *

Required Documents for the Claims Process 

• Properly completed claim form Policy documents 
• Fitness certificate KYC documents, discharge summary 
• Bill for consultation 
• Authentic hospital invoice Pharmacy invoice

A health insurance premium calculator is a tool you may use online to determine the amount of coverage required based on your needs.

* Standard T&C Apply

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.

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