Best Maternity Insurance at Lifepal
Why Buy Maternity Insurance at Lifepal?
Lifepal partners with several insurance companies that offer maternity insurance as an additional benefit to a health insurance policy. This means you’ll need an active basic health insurance plan before accessing maternity coverage. The rider typically covers normal and C-section deliveries, pregnancy and delivery complications, as well as nutritional and health consultations throughout pregnancy. Compare plans on Lifepal and get affordable maternity rider benefits today!
Maternity Insurance Benefits
Keep in mind that maternity insurance is offered as an additional benefit. This means you must have an active basic health insurance policy before you can receive maternity coverage. Below is a summary of the benefits typically covered by insurance companies:
| Pregnancy Period | Delivery Period | Postnatal Period |
|---|---|---|
| Risks of fetal or baby complications | Cost of normal delivery | Incubator or ICU care |
| Risks of complications for the mother | Delivery using special instruments without surgery | Benefits for congenital conditions |
| Cost of C-section surgery | Death benefit for the mother or child |
Other Additional Health Insurance Benefits Available at Lifepal
Besides maternity insurance, several health insurance companies on Lifepal also offer other optional riders that can complement your basic policy. Here are some of the commonly available benefits:
- Outpatient insurance, which covers medical treatment costs without requiring the insured to be admitted to a hospital.
- Hospital cash plan, also known as a daily cash benefit, provided when the insured is hospitalized.
- Dental insurance, an additional benefit that covers dental care and treatment costs.
Maternity Insurance FAQ
What Affects the Cost of Maternity Insurance Premiums?
Several factors influence the cost of maternity insurance premiums, including:
- The insured’s age and overall health.
- The type of delivery covered—normal delivery, C-section, or both.
- The policy limit or sum insured.
- The waiting period, typically 9–12 months. Policies with shorter waiting periods usually come with higher premiums.
How Do You Claim Maternity Insurance?
There are two ways to claim maternity insurance: cashless or reimbursement. A cashless claim can be made directly at a partner hospital of the insurance company, while reimbursement applies if treatment is done at a non-partner hospital.
Documents Required for Cashless Claims
Insurance membership card
Identification card (KTP)
Documents Required for Reimbursement Claims
Original receipts detailing all treatment costs
Itemized list of medications during treatment
Original medical report from the attending doctor
Copies of lab results or other diagnostic tests
Receipts affixed with a Rp6,000 duty stamp
Does Health Insurance Cover Premature Birth?
Some health insurance policies that include maternity benefits also cover premature births. However, this depends on each insurer’s specific policy terms. Comprehensive plans often cover the medical expenses of premature babies, especially if NICU care is required. Always review the policy details before choosing
Are Pregnancy Programs Covered by Insurance?
Generally, pregnancy programs such as fertility therapy, artificial insemination, or IVF (in vitro fertilization) are not covered by health insurance or maternity insurance. Maternity insurance typically only covers delivery costs and pregnancy-related care.
Are There Specific Exclusions in Maternity Insurance Policies?
Yes. Each maternity insurance policy includes certain exclusions.
Common exclusions include pre-existing conditions, pregnancy programs, complications occurring before the policy becomes active, and procedures not considered medically necessary. Most maternity policies also have a waiting period that must be completed before maternity benefits can be used.
Can You Get Maternity Benefits Under a Family Health Insurance Policy?
Yes, but you must already have an active family health insurance policy. Family health insurance plans available on Lifepal can cover up to seven family members in a single policy, allowing comprehensive protection for adults, parents, and children together.
Is a Baby Automatically Covered Under Maternity Insurance?
Not always. Maternity insurance generally only covers expenses related to the mother’s pregnancy and delivery, including postpartum care.
Medical protection for the baby—such as immunizations, outpatient care, or hospitalization—falls under a separate child health insurance policy. After birth, parents still need to enroll their baby in a dedicated health insurance plan. However, some family insurance products or bundled plans allow newborns to be added as insured members immediately after birth.