Knowledge Centre

Does Your Health Insurance Plan Covers Maternity ?

Motherhood is indeed the best phase of every woman’s life journey; it’s a beautiful feeling of giving birth. However, welcoming this new member calls for a lot of additional responsibilities too. For embracing motherhood in a smooth way with quality medical attention, it’s advisable to opt for maternity insurance. Maternity insurance helps in covering the cost of child birth, pre natal and post natal expenses.

Why is it important to buy a health insurance covering maternity benefits?

Buying a health insurance policy with maternity cover is indeed the best way to insure your future medical expenses. These days due to speedy development in the field of medical science, it has become utmost important for us to plan the savings to ensure a smooth child birth for both the mother as well as the baby. Opting for maternity cover will help in dealing with medical expenses in a much better way.

HDFC ERGO offers Health Suraksha Gold & my:health Medisure Classic insurance plans with maternity benefits.

Let’s take a look at the Common provisions offered by HDFC ERGO maternity insurance cover:

  • No restrictions on hospital expenses such as room rent, doctor fees, investigations and medicine costs.
  • No entry age restriction
  • Maternity Benefit along with New Born baby cover
  • Free health check-ups on completing 4 claim-free years
  • Lifelong renewability
  • Massive chain of 6000+ network hospitals for cashless treatment
  • Tax savings up to Rupees 60,000 under Section 80D of the Income Tax Act

We offer in-patient i.e. hospitalization cover delivering baby via both normal and cesarean. Most of the health insurance plan for maternity cover comes with a waiting period of 2-4 years, hence it would be a bit difficult to get health insurance that covers maternity immediately; hence it’s advisable to get the best health insurance with maternity coverage.

Whether to go for specific plan for maternity?

It’s always better to get a wider health cover, which includes maternity along with other range of benefits. Maternity may occur once or twice in lifetime; however health risks can affect you at any stage without intimation. Hence, we advise you to opt for a full-fledged health insurance plan with maternity benefits.

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