FAQ's on Maternity Health Insurance

Parenthood is a transitional phase filled with love, joy, and responsibilities. For an expecting mother or a couple, pregnancy can be overwhelming news. Amid all the joy, it is also crucial to acknowledge the upcoming responsibilities and events that require not only physical and emotional involvement but also lots of finances. Having the best maternity cover health insurance can be a great help in such times.

Right from the onset of pregnancy until delivery and post-pregnancy medical needs of both mother and the baby, there's a lot to deal with. In such a case, having prepared a financial backup can give you much-needed financial flexibility and mental peace. Best maternity cover health insurance offers coverage for the mother and the baby for a healthy journey of life. As a new parent, you may have so many queries regarding maternity benefit insurance. 

So, this article will try to cover all your queries so you can plan a happy pregnancy. Before that we would like to introduce our maternity health insurance for your consideration:

Care Joy Maternity Insurance Plan

Care Health Insurance offers carefully designed maternity health insurance. Considered to be one of the best health coverage for pregnancy available in the market today, Care Joy has two plan variants to choose from. These are:

• Care Joy Today: The waiting period for Joy Today is 9 months and it offers a sum insured ranging from ₹3 lakh to ₹5 lakh.
• Care Joy Tomorrow: Joy Tomorrow has a waiting period of 24 months and has the sum insured options of ₹3 lakh and ₹5 lakh.

Now that you know about Care Joy Maternity Insurance Plan, let's get started with common queries that may pop up in your mind as expecting parents:

Query 1: What is the Waiting Period in a Maternity Insurance Plan?

Understanding the waiting period is of utmost importance  while buying maternity coverage. The best health plan for pregnancy has a waiting period  clause. With Care Joy, you have the following waiting period terms:

• Initial Waiting Period: The initial waiting period is 30 days. Irrespective of the type of claim you want to raise under Care Joy, it can only be raised after 30 days of the initial waiting period.
• Maternity Waiting Period: To raise any maternity claim, one has to pass the maternity waiting period. It is 9 months in the case of Joy Today and 24 months for Joy Tomorrow.
• Named Ailment Waiting Period: To initiate a claim for any named/covered ailment under Care Joy, one has to pass the waiting period of 24 months of continuous coverage.
• Pre-existing Diseases Waiting Period: If the insured has a pre-existing disease at the time of purchasing the plan, the waiting period to file a claim for the same will be 48 months of continuous plan.

Query 2: Does Maternity Insurance Cover the Newborn?

Yes. The best maternity insurance policy covers the newborn baby as well. Under the Care Joy Maternity Insurance Plan, both the mother and the baby are covered. The newborn baby is covered for up to 90 days. 

You must know that Care Tomorrow offers additional coverage for the newborn. Birth defects are also covered under Care Tomorrow for up to ₹50,000.

Query 3: What are the Sum Insured Options with the Care Joy Maternity Insurance Plan?

As discussed above, Care Joy offers two types plans to choose from. In both the options of Care Joy, Today and Tomorrow, there are two sum-insured options:

• ₹3 lakh plan
• ₹5 lakh plan

Depending on the chosen sum insured, the sub-limits may also vary. You must analyse your requirements and accordingly choose the best maternity benefit insurance.

Query 4: Are there Sub-limits in Maternity Health Insurance?

Yes. There are sub-limits to a few benefits under maternity cover. The term sub-limit primarily defines the maximum amount of coverage for a specific benefit. In Care Joy, sub-limits are:

Query 5: What is Not Covered under a Maternity Health Insurance Policy?

Certain conditions are not covered under maternity benefit insurance. The exclusions of the plan are:

• Diseases diagnosed during the initial waiting period of 30 days
• An existing pregnancy at the time of purchasing the policy
• Pregnancy during the maternity waiting period
• Termination of pregnancy without doctor's consultation
• Allopathic treatment expenses
• Congenital diseases
• Infertility treatment expenses
• Health complications due to drugs or alcoholism.

Query 6: Can I Raise Cashless Claims with Maternity Insurance?

Yes. With the Care Joy Maternity Insurance Plan, you can raise cashless claims. Inform your insurer and submit the pre-authorisation form. Upon approval, all the admissible bills will be directly settled by the insurer and sent to the hospital. 

Query 7: Can I Invest in Maternity Insurance if I'm Already Pregnant?

No. The best maternity cover health insurance is meant to be purchased before the onset of pregnancy, and pregnant parents cannot opt for it. Also, pregnancy claims cannot be raised from the start of the policy until the maternity waiting period ends.

Query 8: Are Daycare Treatments Covered Under Maternity Health Insurance?

Yes. In addition to maternity coverage, the Care Joy Maternity Insurance Plan covers 540+ daycare treatments. These include various diagnoses, minor surgeries, and treatments.

Query 9: Is There an Age Limit to Purchase Maternity Medical Insurance?

Yes. There is an age limit for investing in the maternity coverage health insurance. Coverage under the maternity insurance is offered from the age 18 to 45 years.

Query 10: Are Multiple Birth Covered Under the Maternity Insurance Plan?

Yes. Under the Care Joy Maternity Insurance Plan, you can make a claim for a second birth as well. However, the coverage is only extended if the sum insured has not yet exhausted. You may consult your health insurance executive for more clarity and details on this topic.

Query 11: Is Termination of Pregnancy Covered in Maternity Insurance?

Parents/mothers who choose to terminate their pregnancy on their own may not receive any coverage under the maternity cover. 

In Conclusion

The best maternity cover health insurance aims to offer the best possible coverage for the mother and the baby. Investing in one can be worth it for all those who are planning to expand their family in the coming times. Early planning helps in streamlining finances better since not just pregnancy but the expenses that come with a newborn can be overwhelming. Enjoy the phase with the mental relaxation of doing the best for your child.

>> Also Read: What is Maternity Coverage with Minimum Waiting Period?

Disclaimers: The above information is for reference purposes only. Kindly consult your general physician for verified medical advice. The health insurance benefits are subject to policy terms and conditions. Refer to your policy documents for more information.