Benefit of Health Insurance in Covering Pre And Post Natal Expenses


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Pre and Post Natal Expenses Coverage in Health Insurance Policy

Are you expecting a baby in the family soon? Do you have a idea about benefit of health insurance in covering Pre And Post Natal Expenses ? Read on to know all about benefit of Health Insurance in Covering Pre And Post Natal Expenses.

Embracing parenthood is the most wonderful phase of every parent’s life. This is the time when you require good medical care and facilities, which calls for a lot of monetary expenses. Thus, having an insurance plan offering maternity coverage is very important.

As such, the advancement of superior medical facilities has contributed to the rising cost of health procedures. And to manage your maternity health well without any financial crisis, it is better to purchase a good insurance policy covering both mother and newborn baby. Most maternity insurance policies cover both pre and post natal costs. Now, if you are wondering what post natal means. If so, post natal is the period that occurs after the delivery or birth of the new born baby. On the other hand, pre natal is the period before the birth of the new born baby or when the baby is in the womb of the mother.

In this blog, we are discussing the various features and benefits of maternity coverage including pre and post natal benefits.

What is a maternity insurance plan?

Maternity insurance policy is one that covers costs incurred because of childbirth. These policies include coverage during the entire stage of pregnancy, during childbirth and also after giving birth to the child. Many insurers offer maternity insurance as a standalone policy, while most comprehensive insurance plans also provide maternity insurance policy as add-on cover. This add-on can be purchased  along with the base policy of health insurance. Most of these policies cover both normal delivery of baby as well as caesarean procedures.

Coverage on Pre and Post Natal Expenses in Maternity Insurance

Most maternity insurance policies offer post and pre natal expenses coverage. Among the pre-natal expenses include the cost incurred on medical check-ups, tests, ultrasounds, medicines and so on. Further, consultation fee of physicians and pre-hospitalization are also included under such plans to ensure the safety of the new born baby till the baby is in the womb of the mother. If you talk about pre-hospitalization meaning, it includes various pre-hospitalization benefits offered under such plans including costs incurred 30 days prior to hospitalization of the mother.

Conversely, under post natal expenses include medical check-ups and vaccinations of the new born child among other treatments. They also cover medication and hospitalization costs incurred for treatment  of the new born baby depending on the coverage extent. For post-hospitalization the coverage can be availed up to 60 days after discharge of the mother and the baby. However, such benefits are available with comprehensive health plans only.

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Other Benefits of Maternity Insurance

The benefits received from different insurers differ depending on the insurance plan and the insurance company that you bought a plan from. Below are some benefits included in maternity insurance policies:

  • Child delivery costs in case of both normal and caesarean procedures
  • Cashless hospitalization facility
  • Daycare facilities
  • Ambulance costs
  • Doctors/surgeon, anesthetist, and nursing charges
  • Operation theatre and room charges

Costs that are not Covered under Maternity Insurance Policy

If you are curious to know what all coverage a maternity insurance allows, you must also be careful about the expenses that are not covered under maternity insurance policies. Some of them are:

  • Treatment costs that are not related to childbirth.
  • Medical costs of pre-existing illnesses that might affect pregnancy.
  • Infertility treatment costs.
  • Costs related to congenital diseases
  • Pre and Post Natal expenses coverage benefit

Key advantages of having a pre and post natal expenses cover

  • Mental peace – with a comprehensive insurance policy covering maternity and pre, post natal treatment, it is possible to have complete peace of mind for the entire family. This way, you know that you are not going to face any financial hurdles during your pregnancy for the huge costs that you incur during this period. Thereby it ensures the safety and good health of both mother and child.
  • Complete Protection –  having a cover of pre, post natal expenses make sure that you get complete protection of your new born baby. Further, you get this coverage not just during the period of pregnancy, but also before and after pregnancy period. Thus, it ensures that you receive the best medical facility and attention for the mother and the new born child.


For many families the pre and post natal maternity costs incurred makes a hole in their pockets. In such cases, having an insurance plan offering coverage of maternity helps a family greatly by covering them with the monetary requirement. Most health insurance plans, especially the comprehensive plans include such maternity benefits of pre and post natal care and make your health policy worthy.

So, now that you know the various benefits of health insurance covering pre and post natal costs, it is important for a family to buy a comprehensive insurance plan with pre-post natal costs to cover your family completely.

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Apr 14, 2022
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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