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How to Claim Maternity Insurance, And What Are Its Benefits?

Posted On : 22 September 2023, 7 Months Ago. Blog
How to claim maternity insurance

Bringing new life into the world is an incredible responsibility that brings boundless joy and excitement. But with this joy comes a hefty price tag - hospitalisation costs. Don't let the stress of pregnancy-related expenses dampen your excitement! You can take control of the situation by purchasing maternity insurance through a reliable health insurance policy. With this added layer of protection, you can focus on the thrill of welcoming your bundle of joy into the world without worrying about the financial burden.

 

This type of insurance provides financial protection when you are expecting a baby. It helps to cover medical expenses that can add up quickly during pregnancy and childbirth. It is an important part of financial planning for parents-to-be, and understanding the basics of claiming insurance can help you make the most of its benefits.

 

With this blog, let’s understand what maternity health insurance is and how to claim maternity insurance.

 

What is Maternity Insurance?

Maternity insurance is a type of mediclaim insurance specifically designed to cover the costs of prenatal care, labour and delivery, and postpartum care. Most policies also provide coverage for pre-existing conditions, such as diabetes and high BP, that are related to pregnancy. The exact coverage and benefits depend on the policy you choose.

 

How to Claim Maternity Insurance?

If you are admitted to the hospital for delivery, you should notify your insurance company right away so that the claim process can begin. Cashless and reimbursement claims are both possible. Below mentioned is the procedure:

 

  • After notifying the insurance provider via the website or toll-free number, submit the completed claim form.
  • The hospital will verify and then forward to the insurance company the necessary documents that you have submitted.
  • If you are admitted to a network hospital, the hospital will be paid directly by the insurer as part of the cashless claim payment after verification.
  • If you were unable to be admitted to a network hospital or your claim was rejected for any reason under cashless payment, you will be entitled to reimbursement.
  • You are responsible for the payment to the hospital on discharge for the above-mentioned method; however, after submitting the documents and the bill to the provider, you will be reimbursed.

 

Benefits

Maternity or motherhood insurance provides financial protection when you are expecting a baby. It helps to cover medical expenses that can add up quickly during pregnancy and childbirth. It also provides peace of mind and reassurance that you are covered in the event of an unexpected medical emergency.

 

The main benefit of this insurance is that it helps to cover the costs of prenatal care, labour and delivery, and postpartum care. This helps to reduce the financial burden on expecting parents and can make it easier to focus on the important task of preparing for a new baby.

 

It also provides coverage for pre-existing conditions, such as high BP and diabetes, that are related to pregnancy. This coverage can help to ensure that expecting mothers receive the necessary medical care they need to have a safe and healthy pregnancy.

 

Exclusions Under the Insurance Coverage

Individuals should thoroughly understand the features of these insurance plans before purchasing them in order to get the most out of them.  You should be aware that the plan does not cover certain expenses. Some of them are:

 

  • Expenses for tonics and vitamins specified in the plan
  • Visit to the doctor for a routine checkup
  • Doctor consultations and  diagnostic tests during 9 months of pregnancy
  • Costs associated with infertility treatment

 

Bottom Line

Maternity insurance is an important part of financial planning for parents-to-be. Understanding how to claim maternity insurance and the benefits it provides can help you make the most of its coverage. By taking the time to understand the basics of this health insurance policy, you can ensure that you are covered and prepared for the costs associated with pregnancy and childbirth. Niva Bupa’s Health Premia provides maternity and newborn coverage along with inbuilt travel insurance.

Secure your health with comprehensive insurance plans from Nivabupa

Tell us a bit about you

Whom are you buying for ?
Myself Icon Individual
Wife Icon Husband & Wife
Family Icon Family
Enter valid name
Enter Valid DOB
OTP sent Resend OTP
otp icon
OTP Expires in
I authorize Niva Bupa to call me. This will override your existing registry in DNCR. I want to get my quote and policy details on WhatsApp.
FIND MY PLAN