Epitomizing Support: Your Guide to Maternity Insurance in Group Health Policies
Does Group Health Insurance Include Maternity Benefits?
Nurturing a new life is exciting, yet dreadful when it comes to unforeseen medical expenses. Fret not! Savor this journey with maternity insurance that caters to your financial concerns. Here's a lowdown on the benefits, exclusions, and why you need it.
Embracing Maternity with Group Health Insurance
From pregnancy care to baby's first year, maternity insurance safeguards your wallet. Essentially, it's a policy feature of group insurance, allowing you to claim expenses incurred during maternity. In essence, it covers the following crucial events:
- Hospitalization during delivery
- Healthcare babycare for up to 90 days
Perks of Maternity Cover in Group Health Insurance
Maternity insurance optimizes parenting by covering vital costs:
- Pre-natal and post-natal care: Typically covers 60 days prior and 90 days post-delivery
- In-patient care: Encompasses hospital visits, surgeries, room rent, and more
- Legal pregnancy terminations
- Types of delivery
- Vaccination expenses
Bye-Bye Exclusions
While health insurance is extensive, there are restrictions to maternity coverage:
- Stem cell costs
- Complications from assisted conception
- Consultation fees
- Birth control methods
- Hormone replacement therapy
- Voluntary terminations
- Surrogate or vicarious pregnancy
- Routine check-ups
- Non-allopathic treatments
- Premature terminations
- Infertility treatments
Cherishing Moments, Not Medical Bills
Maternity insurance erases financial worries, allowing you to bond with your newborn. The insurance company handles the bills while you make memories with your little one!
[1] PregnancyBasics: What is Maternity Benefit?[4] MumaMe India: Maternity Benefits Under Group Health Insurance[5] Moneycontrol India: What Does Maternity Insurance Cover?
- Delve into the realm of health-and-wellness by ensuring scientifically-backed pre-natal and post-natal care with maternity insurance under group health policies.
- Augment your health-and-wellness journey during pregnancy by choosing a maternity insurance plan that covers crucial expenses such as hospitalization, vaccination, and various delivery types, while minimizing financial stress.
