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Pregnancy Insurance-Is it worth investing?

One of the most awe-inspiring moment in a woman's life is becoming a mother. There are several health concerns that might place a strain on your finances and need hospitalisation expenses around the time of delivery, which can be expensive. Pregnancy insurance can shield you from financial ruin in such a situation.

Pregnancy Insurance-

The term "pregnancy insurance" refers to a specific type of policy that covers you financially when you're expecting a child. It provides financial security in the event of a miscarriage while also covering the costs of hospitalisation following a natural or surgical birth.

When a baby is born, it is covered for a certain period of time afterward, rather than only the day of birth. Adding this policy to your current health insurance plan is a cost-effective option that provides appropriate financial protection for hospitalisation and delivery fees.

The following are some of the advantages of purchasing a generic pregnancy insurance policy

Coverage prior to and following Childbirth-

Pregnant women are routinely seen by their doctors for routine care. Health checks and medications will be necessary even before the baby is born. After she gives birth, these medical checkups and treatments will normally continue. From 30 days before the due date to 30 to 60 days following delivery, pregnancy insurance covers all medical expenditures for both the mother and the baby.

Cost of Delivery-

With the aid of trained doctors, delivering a healthy baby may be extremely pricey. If the birthing is natural or by c-section, this sum will be covered by pregnancy insurance, subject to certain sub-limits that may change.

When natural childbirth is not safe for the woman or the baby, a surgical delivery may be necessary. A substantial  operation is necessary to deliver the baby in this case. Many insurance policies will cover the expense of a caesarean section, even though it is substantially more expensive than giving birth by C-section.

Coverage of vaccinations for Child's Welfare-

Pregnancy insurance coverage may even cover the baby's required vaccines, depending on the health plan. Under the maternity insurance blanket, polio, diphtheria, hepatitis B, whooping cough, hepatitis C, and measles vaccinations are often covered. There are many expenses associated with childbirth, prenatal care, and the first year of a child's life that are covered by pregnancy insurance.

Between Rs. 50,000 and Rs. 1 lakh, several Indian states charge for maternity care. The experience of the medical personnel, the hospital's brand name, and the quality of the healthcare facilities all play a role in determining these rates. Because it assures that the woman will have greater access to health care, pre-purchasing pregnancy insurance is a wise decision.

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