Embracing motherhood is one of the best feelings in the world. Feeling a life growing inside you is truly miraculous. Pregnancy is a unique journey for every woman, filled with both joy and anticipation. However, it comes with its share of physical discomfort and challenges. Unexpected health issues can arise during pregnancy, which is why having maternity insurance can provide much-needed support during this important time.
Let’s explore how insurance can help you during your pregnancy journey.
What is Maternity Insurance?
Bringing a new life into this world is a huge responsibility, isn’t it? It’s natural to want everything to go smoothly, from childbirth to treatments. That’s why investing in insurance during your pregnancy is a thoughtful decision. This type of insurance is specially designed to cater to the unique needs and requirements of pregnant women.
Additionally, some insurers also offer maternity benefits under the best medical insurance policy for family, enabling you to focus on the new chapter of your life rather than worrying about finances.
What is Covered Under Maternity Insurance?
The best health insurance India guarantees the safety of both you and your baby throughout this journey. If you select insurance during your pregnancy journey, you will receive coverage for the following:
- Prenatal Care: This includes regular check-ups and consultations to monitor your and the foetus’s health.
- Newborn Baby Coverage: Maternity benefits cover all necessary vaccinations for your baby. This often covers immunisation costs for the first year, as per the National Immunisation Schedule.
- Diagnostic Tests: Tests such as ultrasounds and blood screenings are essential to identify any potential complications early. These diagnostic tests are included in the best health insurance India for pregnant women.
- Emergency Care: During pregnancy, your body undergoes many changes, which can lead to unexpected complications such as haemorrhaging and ectopic pregnancy. These complications can be life-threatening. In such situations, having access to emergency services can reduce your stress to some extent.
- Hospitalisation: There can be a number of situations, like foetal issues, placenta issues, baby’s position, heavy bleeding, and more, where you can be asked to get a caesarean (C-Section) on the spot. Such a situation can be daunting. However, having insurance reduces your financial burden by covering the costs of delivery, whether normal or caesarean, as well as expenses such as room, nursing, and operating fees.
- Postnatal Support: You need to take proper care post-delivery. Insurance assists with recovery and any complications that may arise after childbirth.
What Is Not Covered Under Maternity Insurance?
If you spent money on the following or have any of the conditions listed below, you will be responsible for your own expenses.
- Pre-existing Medical Conditions: If you have a prior medical history that may have an impact on your pregnancy, you are excluded from insurance policies. Some common pre-existing diseases are hypertension and diabetes.
- Congenital Diseases: Congenital diseases are those that you have had from birth. The insurance does not cover expenses associated with the treatment of congenital diseases.
- Infertility Treatment Expenses: If you opt for any infertility treatments, such as in vitro fertilisation (IVF) or any other treatment, then you will be responsible for your expenses. Treatments related to infertility are excluded from the insurance for pregnant women.
- Supplements: Any expenditure on tonics and vitamins are excluded.
- Non-medical expenses: Expenditures on your baby’s diapers, clothes, blankets, or any other personal item are excluded from the insurance.
What are the Challenges Pregnant Women Face?
Pregnancy is a beautiful journey cherished by every mother throughout life despite its accompanying challenges.
Here are some of the challenges to explore:
- Gestational Diabetes: It is a common condition diagnosed during pregnancy. It leads to high blood sugar (glucose), which can affect your pregnancy and your baby’s health. If you’re diagnosed with gestational diabetes, you will need frequent consultations, additional ultrasounds, and regular medication to manage this condition.
- Preterm Labour: Preterm labour happens when regular contractions cause the cervix to open before week 37 of pregnancy. This can lead to premature birth. Premature babies are at a higher risk of health problems and are a leading cause of infant mortality.
- Lack of Knowledge: If you’re experiencing motherhood for the first time, you might be unsure of how to take care of yourself and your baby, including what to eat and what to avoid during your pregnancy. This lack of awareness can lead to various problems.
Significance of Insurance During Pregnancy
Having insurance can protect you from unexpected challenges you might face during pregnancy. Mentioned below are the reasons why you should invest in insurance:
- Financial Protection: Pregnancy complications can lead to significant medical expenses. For instance, conditions like gestational diabetes may require frequent monitoring and specialised care, while preterm labour may necessitate an extended hospital stay. Insurance helps alleviate these costs, ensuring your safety.
- Access to Specialised Care: You require specialised care during pregnancy. With insurance, you gain access to a network of healthcare professionals, including obstetricians, maternal-fetal medicine specialists, and paediatricians. This access is crucial for effectively managing any complications that may arise.
- Emotional and Mental Health Support: Pregnancy complications can also take a toll on mental health. Conditions like morning sickness or the emotional stress of a complicated pregnancy can lead to anxiety and depression. Many insurers offer mental health support, recognising the importance of emotional well-being during pregnancy.
Wrapping Up
By reading this far, you know that pregnancy is indeed a beautiful journey, but it also comes with a lot of challenges that a woman has to face alone. Due to medical inflation, healthcare costs are skyrocketing, creating a significant financial burden. Purchasing insurance can alleviate your stress.
If you’re planning to grow your family or expectant mother looking for the best health insurance best plan, look no further than Niva Bupa. It offers extensive coverage, including access to gyms, wellness programmes, OPD care, surrogacy, adoption, pre-and post-natal care, and more. Niva Bupa ensures you have a smooth pregnancy journey, ensuring you enjoy every moment of it. Enjoy your journey with Niva Bupa.
Contact them for more information.
