Indian Health Insurance for Maternity and Pregnancy
Having a new born baby in a family is perhaps one of the most awaitied events in the lives of a husband and wife and it is important that they prepare themselves both emotionally and financially for this event. From the expenses leading upto the birth, to hospital expenses to delivery costs including the medicines, childbirth is an expensive affair and having an insurance policy to take care of most of these expenses is perhaps the ideal approach to take. Having therefore a Maternity Insurance policy can ensure the financial stress is eased up to allow the parents to thoroughly enjoy these special moments.
Maternity insurance is normally available as an add-on with the main health insurance policy. This insurance policy covers expenses related to both baby delivery options - caesarean or normal delivery. One must ensure to carefully read the terms and conditions of the policy to understand what is covered and what is excluded under their maternity policy. Generally, maternity plans come with high premiums and long waiting periods (upwards of 36 months).
According to current reports, the average age of women becoming mothers has risen to between 32 to 35 years in India and as a result, pregnancies are becoming more complicated. Hence women are ensuring they have adequate insurance coverage through a maternity plan to ensure they are financially covered for their pregnancy. Currently caesareans to normal deliveries stand at 65:35 in metro cities.
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