The exclusions of maternity insurance are it does not cover the unfortunate events of termination of pregnancy in the first 12 weeks. The insurance company which covers the maternity insurance is ICICI, United India insurance, Apollo DKV, health insurance, and many more.
The maternity insurance depend upon many factors like – on the profile of the company being insured, the industry in which it is operating and the risks factors associated with it. It can also depend upon the number of employees working there, the age profile of the employees and the previous health insurance claim ratios pertinent to the company. The advantages of maternity insurance include the save of money up to 60% on doctor’s visits, lab work, hospital stay, sonograms, and much more.
The maternity insurance does not offer the insurance for a lady who is already pregnant but some states offer mediclaimed health insurance or plans to low income families. You can have this insurance for a pregnant lady, have recently given birth, are adopting a child or are caring for a newborn. Having maternity insurance is the best option if you are planning to become pregnant. It offers maternity services as insurance coverage.
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