Maternity insurance can be opted as an add-on cover if you already have a family health insurance plan. It covers all maternity-related expenses, and couples can welcome their newborns without any worries. This insurance covers pregnancy complications, fertility-related issues and hospitalisation costs of a baby due to any medical issues.

Also Read - Long COVID-19 and other chronic respiratory conditions after viral infections may stem from an overactive immune response in the lungs
All of these are covered up to 90 days from the delivery date of a baby. Read ahead to know why you should consider maternity insurance before starting a family.
What Are the Benefits of a Maternity Insurance Plan?
You may be curious about the benefits of maternity insurance. Before opting for a plan, knowing how it suits your family is essential.
Listed below are some of the insurance benefits:
● Financial Security
Having a baby is one of the most important and special moments in your life. Maternity insurance coverage will secure your savings, and you can step into parenthood with a sense of financial security.
● Long-Term Value
Maternity insurance coverage is not only restricted to your first child. If you file a claim through this insurance once, you can avail of an increased sum insured when you have a second child.
● Cashless Facility
As a part of the cashless facility of maternity insurance, you don’t have to pay any amount to a hospital upfront. Network hospitals of your insurer will allow you to make cashless claims, which reduces the hassle of making immediate payments during emergencies.
Also Read - Weed Vape Pens and Edibles: How Cannabis Products Help You Live a Better Life
● Cover Against Pregnancy Terminations
The insurance covers pregnancy terminations in case of unfortunate medical emergencies. Hence, it is safer to have an option which provides coverage against such emergencies.
What is Covered under Maternity Insurance?

Maternity insurance provides coverage against pregnancy-related expenses. Take a look at the following:
● Room Rent Capping
All expenses revolving around hospitalisation and room rent during delivery of the baby are covered under maternity insurance.
● Delivery Expenses
Medical expenses incurred (up to the insured amount) while delivering a baby, up to a second delivery, are covered under this insurance.
● C-Section Procedure
Caesarean section, commonly known as C-section, is a procedure in which doctors perform surgery to deliver a baby. The insurance provides coverage against C-section deliveries too.
Also Read - Folic acid ''helps treat allergies, asthma''
● Infertility Treatment
Maternity insurance will also cover expenses incurred for fertility treatment if you opt for it. Therefore, both you and your spouse can make a claim in such cases.
● Pregnancy-Related Complications
There are situations where complications in pregnancy may arise. Such complications revolving around pregnancy are covered under this insurance plan.
● Medically Necessary Terminations
Lawful and medically required terminations fall under maternity insurance cover. There is no limit to the number of terminations under this cover.
What is Not Covered under Maternity Insurance?
You now know the covers under maternity insurance. However, it is also important to know the exclusions of the insurance plan. Here are some of them:
● Stem Cell Preservation
Harvesting and storage of stem cells are carried out as preventive measures against possible future ailments. Maternity insurance does not cover the expenses incurred against these measures.
● Ectopic Pregnancy
Medical expenses under ectopic pregnancy will be covered outside maternity benefit cover. This means that it can be claimed under hospitalisation expenses of your individual health insurance plan.
Also Read - Anxiety drug can treat restless legs syndrome, improve sleep
● Pre-natal and Post-natal Care
Maternity insurance does not cover pre-natal and post-natal medical expenses unless hospitalised.
Things to Consider While Buying Maternity Health Insurance: Some important factors should be considered while buying a maternity health insurance plan. Here are three points you must consider when buying maternity health insurance for your family.
1. Sum Insured
Sum insured is the maximum amount that is offered by an insurance agency in case of medical emergencies, treatment of illness, etc. Therefore, ensure you are thorough about the sum insured while buying a maternity health insurance plan.
2. Waiting Period
As the name suggests, a waiting period is a specific waiting time during which you cannot claim maternity coverage under your health insurance policy. You will not be allowed to avail yourself of new maternity coverage during pre-existing pregnancy. Make sure a health insurance policy covers you prior to planning for a baby.
3. Cashless Network Hospitals
Insurers have tie-ups with hospitals. These hospitals are called network hospitals of an insurance agency. You can opt for a cashless claim in these hospitals. Under a cashless claim, you can go ahead with the necessary treatment or hospitalisation without paying any upfront amount. You should look for a policy which comes with this facility.
Having a health insurance policy with an add-on such as maternity benefit cover will ensure a hassle-free experience during the delivery of your baby. However, before opting for a plan, go through the facilities and offerings to get the best insurance for you and your family.
Also Read - Brain can recognize objects faster than previously believed