Maternity Expense - Terminology - Health Insurance
Some health insurance plans include coverage of maternity related expenses. But, may have a waiting period as long as 48 months (4 years).
Some health insurance plans include coverage of maternity related expenses. But, may have a waiting period as long as 48 months (4 years).
Plans with lesser waiting period may
come at higher premium.
In most health insurance plans,
maternity or childbirth related expense is usually a part of permanent
exclusions.
In plans where it is covered and as
far as coverage is concerned, the maternity treatment will include the medical
expenses for a delivery (including complicated deliveries and caesarean
sections) incurred during hospitalization and the lawful medical termination of
pregnancy during the policy period.
Also, included will be the pre and
post-natal medical expenses incurred for delivery or termination.
Coverage to the new-born may not be
there in most such plans covering maternity expenses.
Most plans include coverage to new-born only
after 91 days.
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