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Mother's Day 2024: From pregnancy to old age, which health insurance is necessary for the mother at which age..Know here


On the occasion of Mother's Day, know about such health insurance plans which can be helpful in covering all the expenses related to the mother's health at every stage of her age, from pregnancy to old age.

Mother's Day 2024: Mothers have a special role in Indian homes. From taking care of the family to raising children and earning, a woman juggles so many responsibilities that she forgets to take care of herself. His entire life is spent in all this. In such a situation, it is the responsibility of all of us to take care of the mother's health. Mother's Day is celebrated every year on the second Sunday of May. This year Mother's Day will be celebrated on 12th May. On the occasion of Mother's Day, know from Amit Chhabra, Chief Business Officer, Health and Travel Insurance,, about such a health insurance plan which is helpful in covering all the expenses related to the health of the mother at every stage of her age, from pregnancy to old age. Could.

Maternity Insurance Plan for Expectant Mothers

On one hand, the addition of a new member to a family brings happiness and excitement. On the other hand, it also increases financial responsibilities. With the arrival of a child, many expenses including care of the newborn, nutrition, medicines, vaccines etc. increase. Estimatedly, the cost of a normal or C-section delivery ranges between Rs 1 lakh to Rs 1.5 lakh, especially in a metro city. It is important to make a financial plan for all this in advance.

But keep in mind that if you are already pregnant then you cannot be provided maternity coverage. The right time to avail this coverage is your wedding or renewal of your health insurance policy. Earlier, the waiting period in these plans used to be between 2 to 3 years, but the good news is that in the new age maternity insurance plans, the waiting period has been reduced to 9 months, which makes family planning much more practical. .

Coverage from Rs 2 lakh to Rs 2 crore

These plans offer sum assured ranging between Rs 2 lakh to Rs 2 crore, which covers pregnancy-related hospitalization expenses, legal and medical procedures, vaccinations, ambulance charges and child care for the next 30-90 days from birth. A fixed amount is made available for expenses related to.

There are two types of maternity insurance plans

There are two types of maternity insurance plans: standalone policies and pregnancy cover along with a health insurance plan. Standalone maternity insurance provides cover specifically related to delivery and maternity coverage along with a health insurance plan provides coverage of pregnancy expenses as part of the insurance plan.

Comprehensive Medical Insurance for Young Mothers

It is more difficult for young mothers whose children are still small to take care of their child's health. In today's world, women need to actively prioritize their care with an adequate health insurance. For example – a mother takes more time to recover from the effects of childbirth. In such a situation, a comprehensive medical insurance policy provides comprehensive coverage for medical emergencies with lifetime renewability.

These expenses are covered in comprehensive medical insurance

Comprehensive medical insurance provides financial assistance for various medical costs including hospitalization expenses, day care treatment, road ambulance charges and others. Young mothers should choose a health insurance plan that offers the option to add their child to the policy. At the same time, they should also pay special attention to such plans which protect them from diseases that mainly affect women.

Critical Illness Health Insurance for Elderly Mothers

In the later stage of life, elderly women are at higher risk of serious diseases. Conditions like cervical cancer or breast cancer affect millions of women every year. Especially in old age, women should protect themselves from such deadly diseases. Critical illness health insurance plans provide coverage against life-threatening illnesses that require expensive treatment such as cancer, heart disease, kidney failure, etc.

In fact, mothers nearing the age of 40 should know their health insurance needs and buy a plan that will protect them for a long time. The cost of treatment of serious diseases is increasing day by day. For example, the cost of lung transplant ranges between Rs 14 lakh to Rs 16 lakh and liver transplant can cost Rs 25-36 lakh. In such a situation, it can be difficult for anyone to deal with these expenses at once and may result in financial troubles. Now you must have understood how important it is to have critical illness cover, especially if there is a family history of critical illnesses. .

Most insurers offer Critical Illness Health Insurance as a rider to health insurance plans in lieu of payment of additional premium by policyholders or as a standalone cover. Health insurance is an important need for mothers and it is important to have the protection of comprehensive medical insurance to meet the needs of different stages of life. But before taking any decision, be sure to check every aspect of the policy like waiting period, exclusions, coverage limit etc.

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