Maternity coverage: Buy early, cross waiting period before need arises

With waiting periods and sub-limits, experts advise early planning and careful policy checks to manage delivery expenses

Maternity-related hospitalisation costs have increased significantly, especially in metro cities. One way to manage these expenses is by purchasing maternity coverage under a health insurance policy. Policybazaar.com has recorded a 150 per cent year-on-year increase in the purchase of maternity covers on its platform.

 

High treatment costs 

Maternity-related expenses can be substantial. “In a private hospital in a metro, a normal delivery would cost around 50,000 to 1.5 lakh. A C-section would cost 1.2 lakh to 2.5 lakh, depending on the hospital room chosen, duration of stay, and complications,” says Bhabatosh