Ensure a tension free pregnancy with Alcare Global Maternity Health Insurance solution
If you’re planning on having a baby, it would be advisable for you to purchase a maternity health insurance before you conceive, to assist you through your pregnancy period. Ensuring proper prenatal care helps you to bring a healthy baby into your family. Though, this kind of prenatal care can become very expensive. Not having an insurance policy to help you cover the charges of regular check-ups, ultrasound, and of course the birth itself; can cause the costs to rise as high as Rs. 12,000 to 35,000.
Maternity insurance ensures that routine health care and any complications that may arise during the pregnancy period are taken care of; allowing you to bring a healthy baby into the world. Maternity health insurance plans are designed to cover cesarean births, pre-mature births etc. Having maternity health coverage will assist you through any such problems that may arise during your pregnancy.
In case you already have an existing health insurance plan, find out if maternity health is also covered. It would be advisable for you to compare the plan rates and benefits with a new maternity insurance plan or a pregnancy supplement plan. Also, if your workplace has you insured under a group health insurance plan, it would be a good idea to check if the group health insurance provides you with maternity coverage.
Some health insurance plans provide coverage only for the duration of hospital stay. Though before you opt for such a plan, ensure that the plan covers for maternity related medical expenses. This is so because most costs that are covered for are those that you incur in the maternity ward.
There are many states in the India that provide a supplement maternity health insurance to a pre-existing health insurance policy. There also are Metros like Maharashtra, Delhi, Bangalore and Kolkata that offer exclusive maternity health insurance coverage.
Finding maternity health insurance after you conceive may be both difficult and expensive. This is because some insurance providers view pregnancy as a pre-existing condition, making it a difficult to get the kind of coverage you would require. Usually costly additional premiums are a feature of health insurance plans that do not provide extended insurance for maternity care.
There is a facility called ‘MaternityCard’ – a service of Affordable Healthcare Options (AHCO) that offers maternity insurance to already pregnant women. This card covers any visits that you may make to a doctor, sonograms, round the clock counseling, hospital stays, lab work, fertility and sterilization treatments and new born checkups.
Insurance companies are now accessible even from the internet. Lots of online health insurance companies provide you with a quote for a health insurance plan for no charge. Make sure that you compare the costs and benefits of at least 3 to 4 insurance providers before you buy one. A proper health care coverage for you and your baby will ensure a tension free pregnancy for you and your family.
