Pregnancy is an exciting and beautiful journey for mothers, but it also comes with numerous expenses, including pre- and post-natal care. These expenses can cause a financial strain on the family, making it essential to have financial backup in place. Health insurance policies have come to provide a solution by covering pre- and post-natal expenses. In this article, we will discuss pre- and post-natal expenses and how health insurance policies safeguard these expenses.
Pre- and post-natal expenses coverage
Pre- and post-natal expenses cover the medical expenses incurred during pregnancy before and after delivery. Pre-natal expenses refer to the medical costs incurred by the mother during pregnancy, such as consultations with the doctor, antenatal tests, medication, and ultrasounds. Post-natal expenses, on the other hand, refer to medical costs incurred after the delivery, including hospitalisation and delivery charges, tests for the newborn baby, and post-natal consultations.
How health insurance safeguards pre- and post-natal expenses?
Health insurance policies often offer maternity coverage, providing the financial cushion needed to cover pre- and post-natal expenses. The policy covers most medical expenses related to pregnancy, including prenatal care, hospitalisation, delivery, and post-natal tests. Comprehensive health insurance policies for maternity coverage typically cover expenses such as:
- Pre-natal consultations: Pre-natal consultations that include blood tests, ultrasounds, and check-ups are usually covered under the policy.
- Delivery expenses: The policy covers all costs of hospitalisation and delivery, including the doctor’s fees, medicines, and surgery costs if needed.
- Post-natal care: Post-natal care, like consultation and medication for both the mother and the baby, is also usually covered.
- Ambulance coverage: Some health insurance policies also provide ambulance coverage, ensuring transportation to a hospital during an emergency.
- Diagnostic tests and screenings: Maternity coverage extends to various diagnostic tests and screenings recommended during pregnancy, such as ultrasound scans, blood tests, and other essential examinations. These tests are crucial for assessing the health and development of the foetus.
Hospitals usually have a special maternity limit or package that covers pre- and post-natal expenses. Any expenses beyond this limit are generally not covered under the policy. Patients should verify this limit with their insurance provider before availing of any services.