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Taking Help of Health Insurance to Cover Pre and Post Natal Expenses

By Juhi Walia
31 August 2022, 10:31 AM

The word "maternity health insurance" is no longer alien. It is currently extremely widespread among people, although people may not be much informed about it.

Being a mother is a significant life milestone that requires the utmost caution. Many medical services and consultations are required during this period, which is why having maternity insurance can be highly beneficial.

The price of medical operations has increased along with the development of medical sciences. Health insurance is essential to avoid any financial difficulties and to guarantee the best results for the mother and baby. Both prenatal and postnatal costs are covered by maternity insurance, which also supports the greatest care throughout and even after pregnancy.

Maternity insurance is typically included as a rider plan with your primary health insurance plan. But you can buy a separate maternity insurance plan. Maternity coverage includes costs related to both vaginal and caesarean deliveries. Pre- and post-hospitalization costs, in-hospital costs, newborn baby coverage, and delivery costs are all covered by the health insurance company (both caesarean and normal birth).

You can ask your company if maternity coverage is included in the group health insurance plan. But keep in mind that pregnancy coverage offered by a business group insurance plan would be an extra benefit with a sub-limit clause of up to INR 50,000. Getting maternity insurance is a no-brainer because you'll need it at some time in your life. Additionally, it can turn out to be one of the best choices you ever make.

What's Maternity Insurance?

Health insurance that is specifically designed to pay for costs associated with childbirth is called maternity insurance. It provides coverage before, during, and even after childbirth. Although it can be acquired separately, maternity health insurance is typically an add-on to the primary health insurance plan. Both natural delivery and caesarean sections are covered.

What Is Covered Under Your Maternity Insurance Policy?

  • Pre-delivery or Pre-natal Expenses: If you have a decent maternity insurance plan, it will cover all of your pre-natal costs, including routine medical exams, ultrasounds, and scans to make sure the baby is healthy until delivery.
  • Labour and Delivery Costs:  The ideal maternity insurance plan will pay for all medical costs, including labour and delivery costs. It will assist in reducing recurring healthcare expenses.
  • Post-delivery/Post-natal Expenses: A decent maternity plan will cover the costs of hospitalisation, medication, and immunizations for the newborn.

Coverage for Pre and Post-natal Expenses

Pre-natal expenses like doctor visits, multiple tests, ultrasounds, medications, etc. are covered under this benefit. This coverage is available for all medical exams and procedures needed to guarantee the baby's safety up until delivery. The majority of pre-hospitalization payments pay for expenses up to 30 days prior to the mother's admission.

Post-natal costs include further doctor visits, medications, and immunizations for the infant, among other things. Depending on the coverage scope, maternity insurance may also pay for the costs of the baby's postpartum hospitalisation and medicines.

Following the mother and child's discharge from the hospital, post-hospitalization benefits may last for up to 60 days. To take advantage of all these benefits and appropriately cover all costs as and when necessary, it is crucial to obtain a comprehensive health insurance plan.

Some More Advantages of Maternity Insurance

Maternity insurance typically covers expenses incurred 30 days before delivery, childbirth, or hospitalization. Most importantly, medical bills for the two months following a hospital birth are covered. At least half of your worries should be taken care of with this benefit alone, but there is still more to consider.

Couples also won't have to worry about hotel fees, consultation fees, nursing costs, or any other payments the surgeon or other medical professionals may charge. If you're fortunate, you might also be able to secure an ambulance cover.

Prenatal and postpartum costs, as well as specific issues developing after labour, are added to the pot. This offers protection to both the mother and the infant. You don't need to worry about your newborn's medical costs because they are covered from the first day of life until three months after birth.

Costs Not Included in Maternity Insurance

To plan ahead, it's also crucial to be aware of all the costs that maternity insurance does not cover:

  • Costs of medications not associated with delivery or other related operations
  • Medical expenses for any existing condition, even if it has an impact on the pregnancy.
  • Costs associated with treating infertility
  • Congenital illness and related expenses

Maternity Coverage: An Important Aspect of the Health Insurance Plan  

Remember that there is an obligatory waiting period condition in every maternity insurance plan in India before you can submit a health insurance claim for your pregnancy expenditures. Additionally, you cannot obtain insurance if you have already become pregnant. If you are considering having a second child, you may be able to purchase insurance for your upcoming pregnancy.

Ideally, you should purchase maternity insurance before planning a family. It is advised that you obtain maternity insurance at least three years before beginning family planning because of all the potential outcomes. If you give some thought to this element among all the other planning and investments, paying for the pregnancy and delivery costs will be a trouble-free experience for you.


The main goal of including maternity coverage in a health insurance policy is to ensure financial protection against maternity expenses. During your stay in the hospital for childbirth, you won't have to worry about money. So, plan ahead and purchase the appropriate health insurance to protect both your future and the future of your unborn child.

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1. Why do women require prenatal and postnatal care?

A woman's body can become significantly weaker from the physical and emotional strain of pregnancy and childbirth, making her more susceptible to danger in subsequent pregnancies. Any pregnant woman needs prenatal and postnatal care to ensure the health and welfare of both the mother and the unborn child.

2. What pre and post-natal costs fall under the maternity benefit cap?

Prenatal and postnatal meanings are hence connected to the period before and following childbirth. Therefore, pre and post-natal costs in maternity insurance include costs incurred prior to childbirth (during pregnancy and delivery) and following childbirth (infant and mother care).

3. Can I claim my pre-delivery costs?

The majority of the time, maternity insurance will cover any costs incurred prior to 30 days after delivery, childbirth, or hospitalisation.

4. What do prenatal and postpartum insurance cover?

Pregnancy costs - You'll be covered for doctor visits, multiple tests, ultrasounds, medications, etc. Post-Natal Expenses: As part of maternity insurance, the insurer is required to pay for the baby's doctor visits, treatments, and immunizations, among other things.

5. Can I file a claim for two maternity insurances?

Yes, you can file a claim for two maternity insurances. But the insurance company can apply a waiting period between the two maternity insurance claims. 

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