Why health insurance is essential during and after pregnancy

Copyright © HT Digital Streams Limit all rights reserved. Anupama Raina 3 min Read May 11, 2025, 11:03 am Ist families must invest in health policies that include wellness incentives and preventative women’s performances. Photo: Unplated/Kelly Sikkema Summary maternity claims are now about 20% of all health insurance claims, and costs can further record if there are complications during pregnancy or delivery. In a time of high medical inflation, insurance has become more than a backup plan – it is now a calculated investment. For women, especially mothers, full health coverage is an important shock absorber for unexpected medical costs that could jeopardize family budgets differently. How health insurance women support through motherhood pregnancy-related medical bills can often end up in lakhs, which puts the whole family under a significant financial stress. According to National Health Survey 5, 21.5% of all births in India now come through C-sections, which have contributed to the growing cost of maternity care. As a result, maternity demands now make up about 20% of all health insurance claims. A C-division can cost from £ 75,000 to £ 2,00,000 in Metro cities, while a normal delivery usually ranges from £ 50,000 to £ 1 Lakh. These costs can rise further if there are complications during pregnancy or delivery. In a time when you focus on the joy of bringing new life into the world, financial concerns must be the last thing in your mind. Therefore, it is essential to choose early for a good health insurance plan that will cover your maternity and after-motherhood expenses. Also read: Fund houses suggest these four adjustments to make mutual funds even more Sahi. The Insurance Regulatory and Development Authority of India (Irdai) has clear guidelines for insurance coverage related to maternity expenses. It is said that the coverage should include prenatal and postnatal medical expenses, as well as newborn care. It must also cover legal and medical termination of pregnancy. However, it is subject to a maximum of two deliveries and terminations during the life of the insured. In addition, medical expenses must be included in hospitalization for delivery-a C-section or a normal delivery. The power of preventative health mothers often neglects their own health because they are only focused on raising their children. Families should therefore invest in health policies that include wellness incentives and preventative women’s performances. Choose an insurance plan that includes some wellness benefits that can help you investigate your health and prevent the onset of disease and diseases. For example, you need to undergo annual health examinations, take steps to do a fit lifestyle, participate in fitness classes, and so on. Health insurance plans with wellness benefits also include discounts on these activities. Also read: Do you have a higher salary in April? Here is how your government can calculate ‘bonus’. These preventative actions can help with the early detection and treatment of serious and life -threatening conditions. Find a plan that provides complete coverage for diagnosis and treatment of critical illnesses, allowing you to concentrate on your recovery with financial stability. Family floater plans for the growth of families A family flow health plan covers each family member without buying separate plans for each. You only have to pay one premium for covering the whole family. With the plan, you can include dependent children, spouse and yourself. Some policies may also include your siblings, in -laws and dependent parents. While buying insurance plans for mothers, it is important to thoroughly investigate all policy documents. You can also consult an insurance expert to learn more about the terms and conditions of the policy. Also consider a plan that provides flexibility for policy terms, sum -insured options and the inclusion of family members as needed. Above all, look for a plan with a high sum assured and a competitive price. Also read: If you buy financial products, skepticism is your best defense that buy health insurance is an act of love because it encourages families to embrace their well -being. For mothers, a health insurance plan promotes timely treatment, healthy lifestyle choices and routine examinations. Insurance ensures the unseen ties of care and protection at home, which ensures the health of each family member, is a big problem rather than a reflection. Anupama Raina is main, process improvement and management, SBI General Insurance. Catch all the business news, market news, news reports and latest news updates on Live Mint. Download the Mint News app to get daily market updates. More Topics #Health Insurance Mint Special