One should definitely opt for maternity insurance and the ideal time to get it would be post marriage. There is often a waiting period before the coverage can set in and one can take that time before one plans to start a family. One can also opt for a health insurance with maternity coverage rider. There are a number of benefits to it and they include pre and post hospitalization expenses of the expectant mother. Post hospitalization expenses would also take care of the newborn.

The coverage would also include the cost of childcare, and that would also include the doctor’s consultation fees as well as the medication costs. The coverage definitely includes all the hospitalization charges incurred for delivery and the sum insured of the policy differ under different policies. Some health insurance companies would also offer coverage for the expenses incurred due to the mandatory vaccination of the newborn. While most offer this only for one year, it can be extended till the age of 12 years as well.

Newborn coverage should also be opted for as this would take care of any expenses if incurred due to the treatment of newborn right after birth in case of any kind of complications. The idea is to go through all the clauses of the various insurance policies and choose the one best suited best on the premium costs and the kind of coverage one has.

The waiting period and the pre- existing clauses should be properly considered or else the insurance company would not cover the costs. The waiting period is usually 2 years and the premium would also increase with age and time.