You said:
— a mediclaim policy that includes pregnancy (maternity) cover is very important, especially for individuals or families planning to have children. Here’s why it’s beneficial:
✅ Why Maternity Cover in Mediclaim Policy Is Important:
High Medical Costs:
Pregnancy-related expenses — delivery (normal or C-section), pre-natal and post-natal care, hospitalization, and newborn baby care — can be quite high, especially in private hospitals.Financial Security:
It protects you from sudden large expenses and reduces the financial burden during an emotionally and physically significant time.Covers Complications:
Some policies cover pregnancy complications, which can otherwise lead to significant unplanned costs.Newborn Baby Coverage:
Many policies also offer coverage for the newborn baby from day 1, including NICU expenses if needed.Cashless Hospitalization:
Allows you to access cashless facilities at network hospitals for delivery and related procedures.
🔍 What to Check When Choosing a Mediclaim with Maternity Cover:
Waiting Period: Usually 9 months to 4 years — choose the shortest possible waiting period if planning soon.
Coverage Limit: Maternity benefits may have a cap (e.g., ₹25,000 to ₹1,00,000); higher is better.
Newborn Baby Cover: Check if the baby is covered automatically and for how long.
Delivery Types: Ensure both normal and C-section deliveries are covered.
Pre/Post-Natal Expenses: Look for policies that cover doctor visits, scans, tests, and medicines.
🏥 Recommended Insurers (As of recent market data in India):
(Use the web tool if you want the latest plans)
Star Health – WOMEN CARE POLICY