As you are looking to buy personal health insurance, you may want to consider insurance plans that also provide maternity medical coverage apart from illnesses. So which are the best health Insurance plans with maternity policy?
Are there any waiting period involved in maternity mediclaim?. Is the new born baby covered in the existing health insurance? Is there a capping of room rent or other cover caps? Have all these questions? Read on to know more.
1. Religare Health Insurance offers Joy Maternity Insurance plan
JOY is a modern insurance product, one which addresses all the questions and uncertainties in this new chapter in your family’s life. The JOY maternity insurance plan covers hospitalization expenses during pregnancy and also the post-hospitalization phase.
Along with maternity and newborn insurance coverage, JOY has many thoughtfully designed features which include:
Highlights of JOY Maternity Insurance Plan
Bringing a new life to the world is a big responsibility. Take the Maternity Health Insurance and cover all pregnancy-related expenses. Be it a normal delivery or a caesarean- all pre-natal and post-natal expenses, post-delivery care, and vaccinations are covered under Maternity Health Insurance. Choose a comprehensive Maternity Health Insurance from Bajaj Finserv and get the best medical facilities during and after pregnancy.Features & Benefits
Cover the delivery expenses, hospital stay, and even medicines with maternity health insurance.
The cover is extended to the new born if they are diagnosed with any kind of critical illness.
Easy online application
Ambulance charges during an emergency are covered under this plan.
Pregnancy-related expenses, 30 days prior and 60 days post-hospitalization are covered.
Get cashless payment facility in our 5000+ network hospitals.
For all non-network hospitals, get fast claim settlement due to a single point of contact.
Get a 10% cumulative bonus benefit for each claim-free year.
Get up to Rs.60,000 as tax savings under Sec 80D of Income Tax Act.
This plan is apt for those who are looking for maximum coverage with uninterrupted medical treatment. Choosing
- Maternity Insurance Coverage upto Rs. 20,000 for Normal delivery and upto Rs. 40,000 for C-section delivery
- Waiting period and consecuive policy renewal of 4 years.
- New Born baby can be included within 90 days after birth
Max Bupa offers multiple insurance plans with Maternity Cover. Most of their coverage plans require 2 years waiting period before covering Maternity. The additional benefit is of New Born coverage at no additional cost till the next policy renewal period.
Star offers Maternity and new born cover as part of their family health insurance schemes and plans. The waiting period is 3 years and coverage is Upto Rs. 10,000
Apollo Munich provides Maternity cover and new born baby (day 1-90) medical coverage with its family health plans. The waiting period is ~ 6 years and coverage of pre and post hospitalization expenses upto Rs. 25,000 is provided.
Universal Sompo Complete health care insurance plan provides Maternity cover for upto 2 deliveries. It also covers a New born baby (age 1-90 days) in the existing policy. The policy has a waiting period of 3 years for continuous insurance.
SBI covers reasonable and customary medical expenses towards Maternity Hospitalization after a waiting period of 9 months.
Also read Birthing Hospitals and delivery package to know baby delivery Packages in Hospitals around you
Read Stem cell package for more information on Stem cell banking and cord blood preservation banking details in India.