Is Maternity Insurance Available for Already Pregnant Women?

What is Maternity Insurance?

Maternity health insurance is a type of specific health plan that provides coverage for several pregnancy-related needs. These policies include costs incurred for prenatal consultations, prenatal and postnatal treatment, delivery expenses, and more. A maternity insurance plan ensures that you can focus on your and your baby’s health, while your insurer takes care of the financial burden.

Can You Get Maternity Insurance if You Are Already Pregnant?

Maternity coverage can be built-in or an add-on feature. While maternity health insurance is truly a blessing for a smooth pregnancy experience, you would not be able to get coverage for your current pregnancy if you are already expecting.

This is because all maternity health insurance policies require you to serve a waiting period. Depending on the health insurance provider, the waiting period can range from 9 to 48 months. However, if you are covered under a group or corporate health plan that allows maternity coverage, you might be eligible for maternity health insurance for your ongoing pregnancy.

What Kind of Maternity Insurance Plan Do You Need?

A maternity insurance policy is designed to make pregnancy an affordable expense. But it requires you to be mindful of coverage, premium, eligibility, and related details. Here are a few points to keep in mind when choosing the right plan.

The Coverage Offered Under the Policy

Possibly the most important consideration in choosing a maternity plan is its coverage. A reliable maternity health plan must provide comprehensive coverage that meets all your needs. Be mindful of a few coverage items, such as doctor consultations, treatment, diagnosis, delivery, and newborn cover.

The Premium You Have to Pay

Premium is the amount you pay at regular intervals to keep the policy in force. So, ensure you choose a policy with an affordable premium that reflects the coverage you are getting.

The Waiting Period You Have to Serve

A waiting period is the duration during which you cannot raise a claim for the coverage under your policy. Know that a maternity health plan generally comes with a waiting period of a few months. It's recommended that, if you’re planning to have your baby in the next few years, you purchase a maternity health plan in advance.

The Eligibility You Must Meet

Maternity health insurance policies require you to meet a certain eligibility criteria that you must meet. Ensure to check with your insurer and understand the eligibility criteria in detail.

Or, you can simply head to the Jio Insurance Broking portal to check policy details of various reputable health insurance companies under the same platform.

The Flexibilities and Customisation Options You Have

Maternity insurance equates to choosing a plan that meets your specific needs. This is where flexibility and customisation with add-ons come into play. If your base plan does not offer adequate coverage, you can always customise it with add-ons.

What Are Add-Ons? Add-ons are additional coverage you can add to your existing policy to extend coverage at a minimal additional premium.

Did You Know that some health insurance companies have a zero-waiting period add-on that might allow you to purchase a maternity health plan for your ongoing pregnancy?

Your Access to Network Hospitals

The last thing you want as a pregnant family is to rush to a hospital far from your home. A good maternity plan also means access to reputable hospitals where you can enjoy cashless hospitalisation, priority treatment, etc. Ensure to choose an insurance provider that not only has a wide network of hospitals but also reputed hospitals in your locality.

Coverage for Your Newborn

You might not have considered this, but your newborn also needs health insurance, especially in the first few weeks of life. Many health insurance policies provide coverage for your newborn as well.

The Claim Settlement Process

The sole goal of purchasing maternity health insurance is to experience comfortable hospitalisation. This is why your health insurance company must have a strong claim settlement ratio and a straightforward claims process. To find a reliable health plan that ensures an easy claim settlement, you can simply trust Jio Insurance Company.

To Sum It Up

The benefits of purchasing maternity health insurance go beyond relieving the financial burden. It allows you to enjoy and cherish your pregnancy without worries. It keeps you financially secure so you can enjoy parenthood wholeheartedly.

As someone who is already pregnant, buying a health insurance plan may not help you get coverage for childbirth-related expenses. However, if you wish to, you can get coverage for your next pregnancy. Make sure your needs are secured with a reliable plan.