Maternity cover refers to insurance coverage that pays for pregnancy-related medical expenses, including pre-natal care, delivery, post-natal care, and newborn baby coverage, subject to policy terms and limits.
Maternity cover is a feature in health insurance that covers medical expenses related to pregnancy and childbirth. This includes costs incurred before delivery, during childbirth, and after delivery, along with limited coverage for the newborn baby.
Maternity cover is often offered as part of employee benefits, helping working parents manage the high costs associated with maternity care without financial stress.
In group health insurance, maternity cover plays a key role in supporting employees during major life milestones. Employers can include maternity cover health insurance to improve employee retention, promote workplace inclusivity, and support women returning to work after childbirth.
Pregnancy and childbirth involve significant medical expenses. Group health insurance with maternity cover helps working parents plan better, reduces out-of-pocket costs, and ensures access to quality healthcare during and after pregnancy.
Maternity cover in group health insurance typically pays for doctor consultations, ultrasounds, blood tests, and other diagnostic tests required during pregnancy.
Costs related to hospitalization, doctor fees, operation theatre charges, and nursing care for both normal and C-section deliveries are covered, subject to sub-limits.
Post-delivery hospitalization expenses, follow-up consultations, and medical treatment related to childbirth complications are covered under maternity cover.
Many group health insurance plans provide newborn baby coverage from birth for a specific period, covering medical treatment and hospitalization expenses.
Most maternity cover insurance policies have a waiting period before benefits can be claimed.
Treatments such as IVF, IUI, pregnancy loss or other assisted reproductive procedures are generally excluded unless specifically covered.
Items like toiletries, food charges, and personal consumables are usually not covered.
Coverage exclusions may vary based on the insurer and policy terms, including limits on the number of deliveries.
Check the maximum amount payable per delivery under the maternity cover in group health insurance.
Group health insurance may offer shorter or zero waiting periods compared to individual maternity insurance policies.
Review how long the newborn baby is covered after birth and whether formal enrolment is required.
Ensure adequate network hospitals for cashless maternity claims.
While maternity benefits are mandated under labour laws, maternity cover in group health insurance is not legally mandatory but commonly offered by employers.
Design a group health insurance plan that truly supports working parents. With Pazcare, you can customize maternity cover,, and offer seamless maternity care across a wide hospital network. Talk to our experts to build a plan for your team.
It’s extremely beneficial for young families due to rising maternity costs and expensive hospitalizations in India.
Maternity insurance is insurance that covers expenses related to maternity like hospitalization, C-section, delivery expenses, newborn expenses etc.
Legally, a woman should have worked with the company for at 80 days minimum in the 12 months preceding the date of her expected delivery.
It is a health insurance benefit that covers pregnancy, delivery, and postnatal expenses for the mother and newborn.
Maternity is not covered in group health insurance by default. It is an add-on cover that you can buy and add to your base group health policy.
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