In the present scenario, the average cost of having a baby is $6,378 for a normal delivery, $10,638 for a cesarean section. Such a huge cost can definitely take out a huge amount from your wallet and therefore, the best way to ensure your pregnancy will be to purchase a comprehensive health insurance policy, which covers pregnancy and other related costs as well. Nowadays, a lot of mediclaim policies come with a comprehensive plan covering pregnancy as well. It will keep you happy by making sure you obtain insurance before you become pregnant and you need not to bear the huge sum of money at a time. Here are some ways, which will give you required idea about the mediclaim policy that covers pregnancy.
· In order to get insured at the time of pregnancy, you should try to have a mediclaim policy before you get pregnant. In case you do not have any kind of insurance policy, then it would be better to get insured through a group plan. It can relieve the tension of giving premium every month for different insurance coverage. The new health plan, which you have purchased as a group policy can offer you reimbursement at the right time of your pregnancy.
· To get insured at the time of pregnancy, you have to find out what kind of coverage is appropriate for covering you during the time of pregnancy. Select a health plan, which will be covering you for birth, adoption and pregnancy and also the doctors check up and hospitalization fees during pregnancy. Opt for a mediclaim policy, which covers maternity, prevention and well-baby care at affordable premium rates.
· Many a times, employers offer group insurance policies for the employees, which cover the pregnancy of their spouse. Most of the women also get insurance policy for maternity. You can also ask your employer if the health insurance they offer covers maternity.
· If you are pregnant, you must avoid switching jobs. If you begin a new job during a pregnancy, there are high chances of not getting the coverage, when required; rather you might have to wait up for a couple of months.
· There are a number of mediclaim policies, which are designed accordingly to suit the low-income requirements. You can also opt for these if you have not purchased any insurance policy before.
· For low rates insurance policy you can contact your state insurance department for more information. Most of the government insurance policy offers insurance coverage to cover your pregnancy. You can also ask for what other types of low-cost insurance plans they offer.
Mediclaim policies aimed for providing coverage, normally covers prenatal visits for blood work and ultrasounds and maternity care to pediatric visits and also the immunizations costs for your baby. According to such policies, the newborn would usually be covered for the first 30 days under the mother’s insurance policy. Such policies will consider the newborns as a dependent within 30 days of birth. Finally, do not waste time for getting insured or else you may have to pay a large amount.