is there any pregnancy insurance in India?

Hi
YES.Pregnancy Insurance In India – Policies For Pregnant Women are available now.

If you are looking for policies and providers of pregnancy insurance in India, then you should know that it is important to take note of some basic points to get the best deal for your money. Here are some important tips, factors, companies and plans for pregnant women in India.

There are a number of maternity-related mediclaim policies that are offered by some of India’s leading insurance providers. These schemes generally offer maternity coverage under certain group, family or corporate schemes.

There are no firm or providers that offer women in India a policy that specially caters for pregnancy and related risks. The schemes in question provide coverage that only shields one from unanticipated risks, and since being pregnant is generally a matter of choice and planning it is excluded from the criteria of being unanticipated.

The problem most women should be made aware of is that even the companies that do include such parts of maternity within the purview of claims, there are no particular parameters or terms that specify the conditions for inclusions and exclusions. These few providers rarely if ever cover the cost incurred with a normal delivery.

Another clause that most women should know about is that these covers generally apply only after purchasing the policy at least a year before conception. The minimum period amongst all providers is nine months.

Insurance Policies For Pregnant Women In India

It is essential to find a provider that covers all the expenditures incurred before, during and after – right from the delivery to the post-natal care.

Some of the companies that provide such maternity insurance plans are:

Star Health

Cholamandalam General

Apollo DKV


Apollo DKV provides benefits for mothers that include day care coverage, and also expenses before and after the hospitalization. It also provides the option of portability where the ensued advantages that are allocated under any existing schemes with other providers can be brought down to the Apollo DKV Easy Health policy.

United India Insurance
Unites Indian Insurance offer a maternity cover under its group policy. It offers a cover for expenditures by way of reimbursements with an additional premium. This also covers any costs incurred during hospitalization. Patients admitted in nursing home are eligible for a reimbursement not exceeding Rs. 50,000 or the sum of the assured, whichever is less.

ICICI Lombard
ICICI Lombard’s Health Advantage Plus provides general health coverage along with an out-patient department cover which also includes pre-natal examinations and resultant expenditures.

Inclusions Under Policies For Pregnant Women

Majority of the group policy options offered by Indian’s leading firms and companies include a number of pregnancy-related advantages and benefits. The inclusions provided by the policies are as follows:

Any amount spent before and after hospitalization for a specified number of days is included.

1. All hospitals costs directly linked to the pregnancy are covered.
2. All surgical and other medical procedures performed as a result of this hospitalization are also included.
3. Pre- and post-natal care is also covered.
4. Firms offer these benefits under their group policies for corporate firms to encourage a greater number of employees working in an organization to sign up.

Exclusions

Most of the Indian companies do not incorporate expenses met during one’s regular medical checkups post delivery. The coverage does not include the cost spend on medications consumed during the pregnancy.

The following are also not included:

• Unanticipated events that directly or indirectly result in the termination of the fetus in the initial few weeks.
• Any or all medical costs met for any pregnancies that occur within nine months of purchasing a coverage from the provider

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Factors Influencing The Premium



The premiums that are provided under group schemes are influenced by a handful of conditions. Some of the more commonly found conditions are listed below:

• Above all, the rate of the premium alloted under insurance policies for pregnancy women depends on the profile of the company or corporate entity that is insured in the first place. Aside from its profile, the sector that is belongs to comes into consideration too. Firms evaluate the risk factors and economic conditions of insured corporate entities to arrive at a rate at which premium is demanded.
• The premium paid for a pregnancy coverage also depends on the employee’s profile, her age group, designation, previous health records, previous coverage records, etc.
• An important factor affecting the premium is the number of times maternity-related and other policies have been claimed by and individual.
• Women here have a number of options when looking for a good pregnancy insurance in India. It is advised that everybody should inquire about the fine print, along with any applicable additional terms and conditions before purchasing any policy from the providers.

Content Courtesy:::www.iambeautiful.in/475/pregnancy-insurance-in-india-policies

This site too have information
Maternity Health Insurance

Thanks.

 

YES, It is and it covers the following,

• Maternity related hospitalisation – pre-hospitalisation expenses are covered up to 30 days prior to delivery and will also cover post-hospitalisation expenses up to 60 days
• Delivery including Pre and post-natal expenses - Maternity insurance covers expenditure related to both caesarian and normal delivery, as well as post-delivery complications for the mother
• Hospitalisation costs- This usually includes room charges, nurse and surgeon charges, anaesthetist consultation charges, medical practitioner fees, and emergency ambulance charges.
• New Born Baby cover (Day 1-90) – Coverage is also extended to infants in case they are diagnosed with a congenital disorder or some critical illness.

 

There are several online Health Plans which covers maternity, Please check Online and you will be able to find the best insurance, Please be aware as the maternity insurance has capping for expenses.