Pregnancy Cover in Mediclaim Health Insurance
Motherhood is the most beautiful and unparalleled experience in life. The period of maternity is involved in keeping both the mother and child in good health and secured. But the medical and hospital expenses incurred during pre and post-delivery causes dent in your pocket. So, with this in mind, Mediclaim Health insurance policy introduced Maternity cover for pregnant women, which mostly covers the expenses during the maternity period.
It is vital to buy such pregnancy cover plans that cover all the charges that are incurred throughout delivery and post-delivery natal care. Generalized insurance policy will not offer coverage on maternity. Moreover there are no varied plans that offer complete coverage for pregnant women. In such circumstances, pregnant mother receives only limited services. On the other hand Maternity cover in Mediclaim policy in India comes with various coverage options where monetary support is offered to the insured.
Maternity plan coverages
Many group insurance firms provide maternity coverage to pregnant women. The pregnancy plan covers all the hospitalizations charges from boarding to nursing. This plan covers all the medical charges incurred during pre and post-delivery period. This duration is predefined by the insurer. All the costs occurred for surgeries and pregnancy complications can be claimed. Expenditures for pre and post-natal durations are provided to the insured through this plan.
Pregnancy cover in Mediclaim policy has some excluded circumstances where this cover stands in valid and can’t be claimed. Expenses during monthly checkups, medical charges during pre and post-pregnancy are not covered under this plan. In addition to these, the plan doesn't cover any unanticipated pregnancy terminations within the few initial weeks'.
What factors influence the premiums in Pregnancy Cover?
There are different aspects that influence premiums for this plan. First, the calculation of premiums takes the insurers profile in to consideration. Second, the risks involved during the policy period are assumed and calculated. In Corporate pregnancy cover, the premiums are calculated by reviewing the pregnant woman’s age, her employee profile, designation and her previous health insurance policies. Similarly, there is a last factor that effects premium is the utilization of maternity cover and other health insurance policies.
Process of applying Pregnancy cover in India
Pregnancy cover can become more beneficial if it is bought through online. With the presence of more online web aggregators in the market buying maternity cover becomes easy. At the same time, finding a best web aggregator online to compare polices is important. IRDA approved web aggregators are said to be secured and reliable for buying online insurance. Policy Bachat is one such site where one can quote, compare and buy one’s interested insurance plans from India’s most prominent insurance companies. Here in Policy Bachat Round-the-clock insurance assistance is provided to the consumers and assures them with best policies and better coverages.