Secure the Future of Your Little One with Maternity Insurance Cover

Are you contemplating pregnancy in the near future and still not applied for maternity cover? Do not worry and apply for maternity insurance cover immediately.

Are you fretting over whether to continue your job or take a break because you are planning pregnancy? Put aside any such thoughts since companies today have become more conscious about their women employees and are going out of their way to ensure that their work turns out to be a good experience and not an unnecessary pressure. If this sounds unbelievable then let us introduce you to the term maternity insurance cover. Those, who are not aware, ‘maternity insurance’ is a health benefit offered with other health plans to cover the expenses related to maternity.

The concept became popular only yesterday and is now being adopted by companies in every country. Maternity insurance covers medical costs for hospital stays during delivery, visits to obstetricians and gynecologists  baby delivery charges, vaccinations and for other complications that crop up with pregnancy and the health of the new born baby. This has helped expectant mothers to stop worrying about the enormous bills that would pile up in the near future. The coverage amount however depends on the amount paid by the patient. Under maternity insurance a pregnant mother can take leave from work for up to three months or may be more than that in other countries.

However, there are few points which women should keep in mind before applying for maternity insurance. A new policy is not applicable to a candidate if she is already pregnant. Also, some insurers do not cover certain expenses for which a thorough analysis must be done before you jump in. Insurers before offering a cover take certain factors into consideration such as the industry you are working in, the number of leaves taken in the past and the location of your organization.

As an applicant you must check if your company’s group insurance plan has already covered maternity plans. You must also check if there is an option to add maternity rider to an existing health insurance plan. You should never forget to check the waiting period which often extends to 9 years. Also, you should check the limit of the sum provided for coverage. The schemes may not cover pre-hospitalization period expenses, consultation fees of doctors and other tests and termination within 12 weeks, costs of medicines and tonics prescribed by doctors before pregnancy.