Health Insurance With Pregnancy Cover
Maternity Health Insurance plans provide coverage for maternity-related expenses like delivery, vaccination, pre and post-natal expenses, emergencies, etc. Read on to learn more about the features, benefits, claims process, and top insurance companies that offer the best Maternity Insurance plans.
Maternity care and childbirth are covered by Medicaid and Children's Health Insurance Program (CHIP). These state-based programs cover pregnant women and their children below certain income levels. Eligibility and benefits are different in each state. Income levels to qualify are different for Medicaid and CHIP.
4. ManipalCigna Health Insurance - ProHealth Plus Plan. The ProHealth Plus Plan offered by ManipalCigna Health Insurance offers maternity, new born expenses and vaccination cover. The maximum health cover on this plan is Rs 10 lakh. This plan mainly provides coverage up to Rs 15000 for normal delivery and Rs 25000 for a caesarean delivery.
Health insurance policies that cover pregnancy or cover maternity expenses usually compensate for the medical expense incurred prior to 30 days of hospitalization, delivery, and childbirth. Also, medical expenses continuing to 60 days post childbirth are recompensed.
In some states, pregnant women who earn too much for Medicaid can get health coverage through the Children's Health Insurance Program (also called CHIP). CHIP is a government program that provides health insurance to some children and pregnant women in families that earn too much to get Medicaid but can't afford private insurance.
Maternity coverage is one of the 10 essential health benefits that must be covered by all health insurance plans offered to individuals, families, and small groups. Health insurance for pregnancy, labor, delivery, and newborn baby care became mandatory in 2014 under the Affordable Care Act.