Get a quick quote
We only need some basic details to give you a quote
What is maternity or pregnancy insurance?
Maternity insurance, also known as pregnancy insurance, is a type of health insurance for pregnant women that provides coverage for expenses related to childbirth and maternity care. It covers the costs of hospitalization, doctor visits, medications, and other medical services required by a woman during pregnancy and delivery.
The costs associated with pregnancy and childbirth can be high. Maternity insurance reduces the financial burden, ensuring you receive quality medical care without worrying about the expenses.
Maternity insurance for pregnant women typically covers prenatal and postnatal care, delivery, and sometimes even newborn baby care. Depending on the maternity insurance plan you select, you might also be covered for pregnancy-related complications. This ensures both the mother and the baby receive the best possible care throughout the pregnancy journey.
Features of Generali Central maternity insurance policy
- Comprehensive Plan
Generali Central's maternity insurance policy provides comprehensive coverage for the mother and the baby. It covers both normal and cesarean deliveries, extending coverage to not only the insured mother but also to a surrogate mother. This comprehensive insurance for pregnant women ensures mothers can focus on their health and the health of their baby without worrying about high medical bills.
- Newborn Baby Coverage
Our maternity insurance plan is not only insurance for pregnant women but also for their newborn babies. We cover all expenses for the treatment of the newborn, including any congenital defects. The maternity insurance policy also covers vaccinations, ensuring the baby receives all prescribed vaccines right from birth. With this plan, you also receive coverage for stem cell storage, which can be a valuable investment in your child’s future health.
- Cashless Hospitalization
Generali Central's pregnancy insurance offers the convenience of cashless hospitalization. This means you can receive medical treatment at any of the network hospitals without making any upfront payment. We will settle the bill directly with the hospital, so you can focus on one of the most important moments of your life.
- 24/7 Support
During your pregnancy journey, the need for medical attention can arise anytime. Our maternity cover insurance provides round-the-clock support to ensure help is available to you at all times. Whether it's assistance with claims, understanding policy details, or emergency support, our 24/7 customer service ensures you are not alone in times of need.
Why should you buy health insurance with maternity cover?
Financial Protection
The cost of delivery and pre and post-natal care can be substantial. Whether it’s routine check-ups, diagnostic tests, or unexpected complications, medical bills can quickly add up. Health insurance with maternity cover helps you manage these expenses comfortably. It covers hospitalization costs for both normal and cesarean deliveries, ensuring you are financially protected during one of life’s most significant events.
Access to Quality Healthcare
Health cover with pregnancy gives you access to a network of quality healthcare providers and hospitals. This ensures that you receive the best possible care throughout your pregnancy and delivery. Many pregnancy insurance policies also offer the convenience of cashless hospitalization, where the insurance company directly settles the bills with the hospital. This not only eases your financial burden but also ensures a hassle-free experience.
Peace of Mind
Pregnancy can be a time of joy, but it can also be stressful and full of uncertainty. Having a maternity cover insurance plan provides peace of mind, knowing that you and your baby are covered for a wide range of medical needs. Mediclaim for pregnancy allows you to focus on your health and enjoy the journey of parenthood without worrying about unexpected medical bills.
Comprehensive Coverage for Newborns
Health insurance with maternity cover often includes coverage for the newborn baby’s medical expenses too. This includes treatment for congenital conditions, vaccinations, and even costs related to stem cell storage. A maternity health plan safeguards the well-being of the baby and reduces your financial burden.
Benefits of Generali Central's maternity mediclaim policy
Regular Check-ups
One of the standout features of Generali Central's maternity mediclaim policy is the extensive coverage for newborn babies. The plan covers expenses for the treatment of any medical conditions or defects and essential vaccinations required during the early stages of the baby’s life.
Stem Cell Storage
Stem cell storage is a valuable medical option for preserving your baby's stem cells for future medical use. However, this can be an expensive process. Our maternity mediclaim policy includes coverage for stem cell storage to help you avail of this benefit without any financial burden.
Infertility Expenses
Infertility treatments can be emotionally and financially draining. Our health insurance for pregnant women understands the importance of these treatments and provides coverage for infertility-related expenses. This ensures you focus on your health and well-being without worrying about the financial burden of fertility treatments.
Comprehensive Coverage
Our maternity mediclaim policy offers comprehensive coverage that includes both prenatal and postnatal care. This means you are covered for regular check-ups, diagnostic tests, delivery (normal or cesarean), and post-delivery medical care. This ensures you receive quality medical support throughout your pregnancy journey.
Quick Claim Settlement
As you prepare to bring a new life into this world, making a claim for your maternity health insurance should be the least of your worries. We ensure a quick and efficient claim settlement process to provide timely financial support when you need it most.
24/7 Support
We offer 24/7 support to our policyholders, ensuring you get access to help at any time. Whether you have policy-related questions or want to make a claim, our experts are available to assist you around the clock.
What is covered by Generali Central maternity insurance?
When making a claim for international travel insurance online, you must produce the following documents:
Pre/Post Hospitalization Expenses
Our maternity insurance policy covers medical expenses incurred before and after hospitalization. This includes doctor consultations, diagnostic tests, medications, and the recovery period post-discharge.
Delivery Charges
We cover delivery expenses, whether it's a normal delivery or a cesarean section. This allows you to focus on the arrival of your baby without worrying about hospital bills.
Pre and Post-Natal Expenses
Pre-natal expenses include all medical costs incurred during pregnancy, such as routine check-ups, ultrasounds, and other tests to monitor the health of the mother and baby. Post-natal expenses cover the costs of medical care needed after childbirth, ensuring a healthy recovery for both the mother and the baby.
Miscarriage and Medical Termination of Pregnancy
The policy provides coverage for medical expenses related to miscarriage and medically necessary termination of pregnancy. We support you through difficult and unexpected medical situations, ensuring you receive the necessary medical care without additional financial stress.
Newborn Baby Expenses
The maternity insurance policy covers treatment costs, expenses for congenital defects, vaccinations, and stem cell storage for the newborn baby.
What is not covered?
Our insurance for pregnant women does not cover:
Ectopic pregnancy
Sterilization
External congenital anomaly
Reversal of sterilization
Dietary supplements and substances
Unproven treatments
Eligibility criteria for maternity health insurance policy
To buy the Generali Central pregnancy insurance plan, you must meet the following criteria:
· You must be an Indian citizen.
· Your age must be at least 18 years.
How Can I Purchase Maternity Insurance?
You can buy Generali Central's maternity cover insurance plan in just 3 simple steps:
Fill the form
Select a quote that suits you and fill out our proposal form. Answer some questions about your health.
Pay and get your policy
Now pay the premium and get your policy in your inbox!
Things to consider before selecting maternity health insurance
It's important to buy a health policy that aligns with your healthcare needs and financial circumstances. To make an informed decision, here are a few factors that you must consider:
Coverage Benefits
To select the right medical insurance with maternity cover, make sure the policy covers both normal and cesarean deliveries. You must also check if it includes coverage for the newborn baby’s medical expenses, congenital defects, vaccinations, and other post-birth medical needs.
Waiting Period
Maternity insurance policies typically have a waiting period ranging from 9 months to 4 years. Therefore, it’s essential to plan ahead and purchase the policy well before you plan to start a family to ensure you meet the waiting period requirements.
Exclusions
Check if the pregnancy insurance plan excludes any pre-existing medical conditions related to pregnancy. Some maternity health plans might exclude certain medical procedures or treatments. Understanding these exclusions will help you avoid surprises during claim processing. Carefully reviewing all policy exclusions before making a purchase can help you avoid any surprises later.
Network Hospitals
Check if the insurance provider has a wide network of hospitals where you can avail of cashless treatment. This feature can be extremely beneficial in reducing the financial burden during hospitalization. You must also check if the network hospitals include reputable medical facilities near you so you can easily get help during emergencies.
Claim Settlement Ratio
Research the insurance provider’s claim settlement ratio. A higher ratio indicates a reliable and efficient claim process, which is crucial during emergencies. Make sure to consider the average time taken for claim settlements as well. Quick and hassle-free settlements are important to avoid any last-minute hassle.
Premium Costs
Compare the premium costs of different pregnancy insurance plans and ensure they fit within your budget while providing the necessary coverage. Assess if the benefits and coverage provided justify the premium cost.
Add-Ons
Check if the insurance provider offers the add-on benefits relevant to you. For example, outpatient consultations, prenatal and postnatal care, health check-ups, etc. Choose a policy that offers customizable coverage options to suit your specific needs.
Customer Support
Lastly, make sure the insurance provider offers round-the-clock customer support to address any queries or concerns promptly. This will ensure you're not left stranded in times of need.
Understanding waiting periods: when to get maternity health insurance?
When planning for a family, it is important to understand the waiting periods associated with maternity health insurance. It is a specified duration that must pass before you can claim maternity-related expenses. The waiting period varies for different insurance providers and policies, typically ranging from 9 months to 4 years. During this time, your health insurance with maternity cover will not cover any maternity-related expenses.
Insurance companies use the waiting period to mitigate the risk of immediate claims right after purchasing the policy. It ensures you are planning ahead for pregnancy health coverage rather than seeking immediate financial assistance. Therefore, you should ideally purchase maternity health insurance well before you plan to conceive, at least 1-2 years in advance. This ensures that the waiting period is met by the time you need to make a claim.
Documents required to claim maternity mediclaim
When it comes to claiming maternity mediclaim insurance, having the necessary documents ready can streamline the process. Here is a list of essential documents you need to submit for a maternity insurance claim:
Duly filled claim form
Government-issued identity proof
Policy documents
Hospital records
A copy of the newborn’s birth certificate
Additional documents for miscarriage or medical termination of pregnancy and stem cell storage
Documents required to claim maternity mediclaim
When it comes to claiming maternity mediclaim insurance, having the necessary documents ready can streamline the process. Here is a list of essential documents you need to submit for a maternity insurance claim:
Duly filled claim form
Government-issued identity proof
Policy documents
Hospital records
A copy of the newborn’s birth certificate
Additional documents for miscarriage or medical termination of pregnancy and stem cell storage
FAQs - Maternity insurance policy
Maternity insurance, also known as pregnancy insurance, is a type of health insurance that covers medical expenses related to childbirth, prenatal, and postnatal care, as well as newborn baby care.
Pregnancy health insurance typically covers delivery expenses (both normal and cesarean), pre and post-hospitalization expenses, prenatal and postnatal care, newborn baby expenses, and sometimes infertility treatments and stem cell storage.
Yes, most maternity insurance policies have a waiting period ranging from 9 months to 4 years before you can claim the benefits. Therefore, it’s important to plan and purchase the policy well in advance to avoid any confusion later.
No, you cannot buy a health insurance pregnancy cover if you are already pregnant. This is because most policies require you to serve a waiting period before the coverage kicks in.
Individual maternity insurance is purchased by an individual for personal coverage. On the other hand, group maternity insurance is typically provided by employers as part of an employee benefits package.
Yes, maternity cover insurance covers prenatal care, such as doctor visits and medical tests during pregnancy, as well as postnatal care, including check-ups and treatments after delivery.
Yes, many maternity insurance policies cover expenses related to the newborn, including treatment of congenital conditions, vaccinations, and sometimes even stem cell storage. However, make sure to read all policy details to ensure this coverage and avoid any hassle later.
You can claim maternity mediclaim with Generali Central in just four simple steps:
- Visit the insurance desk of your nearest GCI network hospital and show your health card.
- The hospital will verify your identity and submit a duly filled form with Generali Central.
- You can get admitted and receive the treatment without any deposit.
- Once you are discharged, the hospital will send your claim documents to Generali Central and we will settle the amount directly with them.
