6 Tips For Choosing Health Insurance For Your Pregnancy

Becoming a parent is beautiful, but it’s important to plan ahead for everything that you and your baby will need. Even though you might associate planning for a baby with picking out a crib and buying baby clothes, buying health insurance for pregnancy should arguably be at the top of your to-do list. 

Some of the biggest countries in the world account for nearly 17 percent of maternal deaths worldwide each year – mostly because of the cost of delivering a baby. The good news is that you can find a healthcare plan that will help you afford care for both you and your little one. Here are six things to consider when looking for insurance:

1. Maximum Coverage 

Most basic maternity insurance plans cover both vaginal and caesarean section delivery, including room rent, medications, and doctor’s fees. Still, you should try to purchase pregnancy health plans that offer maximum coverage and include all childbirth-related expenses like pre- and post-natal care and vaccinations. 

2. Premium Discounts 

Raising a child is expensive, which is why you should compare policies in order to find the best discounts. Opt for a health insurance policy with a high level of coverage and low-cost premiums. Some reputable insurance providers even offer discounts on multi-year pregnancy health care plans. 

3. Extensive Cashless Network 

Today, most health insurers have an extensive cashless hospital network, which means that you don’t have to pay medical bills out-of-pocket. Instead, your insurance provider settles all of your maternity costs directly with the hospital. Therefore, when you buy pregnancy health insurance, choose a policy with a cashless network. 

4. Hassle-Free Claim Process 

After you give birth, you shouldn’t have to worry about the insurance claim process. Therefore, invest in a maternity healthcare policy that has a hassle-free claim process. Also, familiarize yourself with the claim process ahead of time to avoid last-minute panic. 

5. Free-Look Period 

It’s OK to have second thoughts about your maternity healthcare plan – but you can’t go back unless it has a “free look period.” Be sure to check whether your plan has a “free-look period,” which is typically around 30 days long.

6. Exclusions & Sub-Limits 

If you’re looking into maternity health insurance, pay attention to exclusions and sub-limits. You’ll want minimal exclusions and limitations in order to reap all of the benefits of your plan!

If you’re giving birth soon, maternity health insurance may be a good option for you. Be sure to consider these tips in order to choose the best plan for you and your little one!

Photo by Camylla Battani on Unsplash



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