Maternity Covered Group Health Insurance
https://lighttheminds.com/wp-content/uploads/2022/03/Maternity-Covered-Group-Health-Insurance.jpg

Are Maternity Benefits Covered by Group Health Insurance?

Posted on |Health|| 0
Are Maternity Benefits Covered by Group Health Insurance?

We can outlay for everything except medical expenses, which are both urgent and unpredictable. Any medical expense eats into your monthly cash flow and expenditure. Whether it’s planning a baby or caring for an existing family, the maternity period is always full of excitement and nervousness. Such expenses necessitate careful planning. Maternity-related expenses can be planned ahead of time thanks to the flexibility provided by health insurance companies. Let’s get specific about what maternity insurance is.

Maternity Cover in Group Health Insurance

Maternity coverage includes a wide range of benefits that are not limited to childbirth. Take a look at the following section to learn more about maternity benefits in health insurance. The term “maternity benefit” refers to the ability to claim maternity expenses against your group’s health insurance policy. Typically, the two events listed below are covered:

  • A group plan’s maternity health coverage primarily covers delivery costs.
  • For up to 90 days, the newborn baby is covered by health insurance. After that, the child can be added to the base plan.

What is Included Under Maternity Cover in Group Health Insurance?

Maternity coverage in a group health insurance policy is one of many benefits available through a group plan. It can help you and your spouse reduce the financial burden of having a baby. When you have Maternity Insurance, you can concentrate on taking care of the baby without worrying about covering the majority of the hospital bill. This cover’s inclusions are listed below:

  1. Pre and post-natal expenses – This typically provides coverage for 60 days before and 90 days following hospitalisation.
  2. In-patient hospitalisation – The cost of hospitalisation (including doctor’s visits, surgeries, and so on), as well as room rent, are covered.
  3. Pregnancy termination under the law – The cost of a pregnancy termination under the law is covered by maternity coverage in a group health insurance policy.
  4. Type of delivery – Both normal and c-section deliveries are covered. Normal delivery is less expensive.
  5. Vaccination costs – The baby’s vaccinations begin soon after birth. The associated costs are covered under the WHO schedule.

What is Excluded Under Maternity Cover of Group Health Insurance?

Exclusions are a standard feature of all health insurance policies. These are the circumstances under which you cannot claim your maternity Cover. For your convenience, here is a list of exclusions:

  1.  The cost of obtaining and/or storing stem cells
  2. Ectopic pregnancy
  3. Healthcare costs incurred as a result of an assisted conception complication
  4. Fees for consultation
  5. Birth control methods
  6. Hormone replacement therapy (HRT)
  7. Pregnancy termination of one’s own volition
  8. Vicarious or surrogate pregnancy
  9. Routine check-ups
  10. Costs of non-allopathic treatment
  11. Pregnancy termination before 12 weeks
  12. Treatments for infertility

Benefits of Maternity Cover in Group Health Insurance.

Maternity insurance policies cover both natural birth and cesarean section. The policy is intended to reduce out-of-pocket costs associated with pregnancy, labor, and post-natal care. The policy’s benefits can be summarised as follows:

  • Pre and post-hospitalization expenses are covered.
  • Pre- and post-natal care costs are covered.
  • Cover for a newborn baby

A maternity insurance provider ensures that happy maternity memories are preserved. Maternity insurance allows you to concentrate on your newborn rather than on your bills. Allow the insurance company to handle the costs while you focus on your new life with your child.

Leave a Reply

Required fields are marked *