Are maternity-related expenses covered under health insurance?

livemint.com:

Pregnancy and childbirth are significant life events that come with their own set of challenges and expenses. While the joy of welcoming a new member into the family is immeasurable, it's also important to consider the financial aspect of maternity-related expenses. Maternity-related healthcare can be quite expensive, with costs ranging from tens of thousands to over a few lakhs for normal delivery, while a C-section delivery can be on the much higher end.

This is where health insurance with maternity coverage plays a crucial role in providing financial protection against such expenses. In this article, we will explore the extent to which maternity-related expenses are covered under health insurance and provide insights on selecting the right policy to ensure a smooth and financially secure transition into parenthood. Health insurance typically covers a range of medical expenses, including hospitalisation, surgeries, diagnostic tests, and prescription medications.

However, the coverage may vary from one policy to another and from one insurer to another. Maternity-related expenses fall under a specialised category and may or may not be covered, depending on the terms and conditions of your health insurance policy. Many health insurance plans do provide coverage for maternity-related expenses, but there are several factors to consider: Waiting period: Most insurers impose an initial waiting period of 9-12 months or even more for maternity claims.