The happy news of the pregnancy and imminent parenthood brings along with it the upcoming financial planning and expenditure during the entire period of pregnancy and beyond. These include maternity healthcare, hospitalisation, child delivery, pre and post-natal care and in some unfortunate situations medical termination of pregnancy if required. The high cost of maternity care and hospitalsation triggered the need for couples looking out for maternity plans.WHAT IS MATERNITY HEALTH BENEFIT PLAN?A maternity plan is usually an add-on or additional rider to the existing health insurance policy. Based on the insurer, the features vary to some extent. A majority of corporates include the maternity benefit of their employees and/ or their spouses as a part of their health insurance group coverage with a specified sub-limit. A proper understanding of the maternity plan is imperative for understanding the inclusions and exclusions of the plan so that you can use the coverage efficiently.As we all know, hospitalisation costs have skyrocketed in the last few years and healthcare is something we do not want to compromise on. A hospitalisation expense which is unavoidable for everyone is the maternity expense. Normally, in a city, maternity expenses may range from 40,000 to 50,000, depending on the type of hospital and doctor chosen. In some cases, because of lack of availability of lower category rooms, patients have to opt for expensive options, even if they cannot afford. As such, maternity Insurance is a boon for young couples.Moreover, women today cover more than 25 per cent of the workforce in India and are becoming very ambitious and career oriented. Due to this changing attitude, women are choosing to become mothers late. According to health insurance companies, over the last one year, the average maternity age has increased from 26-27 years to 32-33 years. Increased age has also given rise to complications during pregnancies and higher cost. To address maternity-related health concerns, a growing number of women are opting for health insurance plans that also cover maternity expenses.MATERNITY COVER DETAILSHospitalisation chargesOperation charges be it normal or cesareanPrenatal OPD expensesExpenses for complications due to premature birthOther emergency expenseActual ambulance charges including air ambulanceA maternity insurance ensures that routine healthcare and complications that may arise during pregnancy are taken care of, allowing a mother to bring a healthy baby into the world. With maternity insurance, women can go for the best treatment which will in turn aid in speedy recovery too.Most of the well-known insurers provide maternity plans that are customised to address the needs of working women. The average age of maternity has increased to 32-33 years. Thus the risk factor has increased with increasing age.

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