Raising a child is one of the greatest joys of this world. You can welcome your little one with relative ease knowing that the medical expenses for childbirth are covered up to a few months after the birth.
As you may already know, healthcare costs are on the rise and having a baby is an expensive affair. This is especially true if the delivery is performed through surgery or there are unfortunate complications involved with the pregnancy. By opting for a maternity insurance plan, you can reduce the financial burden and ensure a smooth delivery process. Here you can learn more things about maternity health insurance and how to get one.
What Is Maternity Insurance?Maternity insurance is a health insurance plan with a dedicated focus on providing support for expecting mothers and couples who are planning a family. A regular health insurance plan usually does not cover expenses involved with welcoming a baby in your home. However, you may be able to opt for an add-on cover with your family health insurance plan to prepare for one of the most important moments in your life. In case that there are some complications involved during the time of delivery, knowing that you have a maternity insurance can calm your nerves to a certain extent.
When you get a maternity insurance, the insurance provider will likely inform you about the waiting period, which can range from 6 months to 2 years or more. You will be able to claim the expenses covered under your maternity insurance only after this waiting period is over. Thus, it is best to get a maternity insurance plan when you are planning for a baby. Although a few insurance providers may provide coverage to women who are pregnant, it will likely cost more than usual if you want to waive off the waiting period.
What Does Maternity Insurance Cover?The coverage provided under a maternity insurance plan depends on the type of policy you choose, the insurance company, and other factors. Listed below are some common inclusions for a maternity insurance:
1. Pre- & post-hospitalisation expenses related to childbirthExpenses like the doctor’s consultation fees, operation theatre charges, and emergency ambulance costs are generally covered under maternity insurance. Some maternity health insurance providers cover up to 30 days of hospitalisation expenses before the delivery and hospitalisation expenses for up to 60 days after the delivery.
2. Pre- & post-natal expenses for mothers and the childA healthy childbirth usually involves frequent visits to the doctor’s clinic or hospital for regular testing and certain medication among other things. Maternity insurance policies may also cover such expenses.
3. Medical expenses for the newborn babyUsually, a maternity insurance covers the expenses to maintain optimum health of the infant for up to 90 days from birth. It covers hospitalisation charges, doctor’s consultation fees, etc. in case of any complications.
4. Vaccination ChargesAn infant requires numerous vaccinations within the first year of birth. Such expenses may also be covered in your maternity insurance plan.
Some of the common exclusions of a maternity insurance are listed below:
Maternity health insurance can prove to be beneficial for newly-weds, people who are planning a baby, and others who wish to safeguard their future in the following ways:
1. Financial securityAs the healthcare costs are skyrocketing, it is important to stay on top of your finances. Having a maternity insurance plan makes managing the financial aspect of welcoming a baby in your family relatively easy. You can rest assured when the time comes you will be ready and have one less thing to worry about.
2. Peace of mindA sudden financial crisis can potentially ruin a perfect moment like bringing home a baby. You can avoid such problems by investing in a maternity health insurance.
3. Cashless claims at network hospitalsAlmost all insurance providers give their customers an easy option to avail cashless claims at the network hospitals. You can avoid the hassle of complex paperwork and focus on enjoying the birth of your child.
4. Tax benefitsYou can avail tax benefits on the premium paid for the maternity insurance under Section 80D of the Income Tax Act, 1961 while filing your income tax.
How to Get Maternity Insurance?You can search the maternity insurance plans provided by different companies online. It is important to do some research and figure out the best options available in the market for you and your family. The features and benefits of each plan will differ, and you can find the most suitable one for you by going through the policy briefs carefully. Make sure to read the fine print to understand the inclusions, exclusions, policy premium, waiting period, etc. to make an informed decision.
You are advised to compare the sum insured in your policy against the average cost of delivering a baby in your city. For example, average costs of a caesarean delivery may range from ₹ 45,000 to ₹ 75,000 in urban cities; thus, your maternity insurance should provide coverage of about ₹ 80,000 to ₹ 1,00,000.
Factors to Consider When Selecting a Maternity Health InsuranceHere are some things to consider that can help you decide the best maternity insurance for you:
1. Waiting periodMaternity insurance comes with a waiting period before which you cannot claim any benefit under the scheme. If you are planning to have a baby soon, look for a plan that has a short waiting period.
2. Eligibility criteriaCertain age limit and other factors decide your eligibility for a maternity insurance plan. You can narrow down your search by looking for plans that you are eligible for.
3. Benefits for the newbornThe first few months of a baby’s life usually require intensive care; thus, a maternity insurance plan that provides benefits for the newborn baby is ideal. These also usually include vaccination for the infant within the first year of their life.
4. Number of childrenMost maternity insurance plans provide coverage for up to 2 children. Thus, if you already have 2 children, you may find it difficult to get a maternity insurance.
5. Additional benefitsOpt for a plan that offers coverage for expenses due to complications and other features.
6. Medically necessary abortionIn some cases, the doctor may suggest you terminate the pregnancy due to complications that will affect the baby’s and your life negatively. Most insurance plans don’t have any restriction on the number of lawful pregnancy terminations that are medically required.
Best Maternity Insurance for YouYou can find the right maternity insurance for yourself by researching different options on the basis of factors provided above. Some companies, like SBI General, give you the choice to customise your health insurance plan based on your needs.
You can find the right Health Edge insurance policy for you through the official website and stop worrying about your medical expenses. Some maternity insurance plan can cover all the basic aspects, like regular health check-up for women. Features of some maternity insurance plans can help you avoid fretting over the small stuff as you can get a cover for the consumable items, such as gloves and syringes, which are usually not covered in any health insurance plan.
FAQs Who needs maternity insurance?The following group of people can benefit from getting a maternity cover:
Listed below are some of the common expenses that are covered in maternity insurance
Generally, health insurance providers have a waiting period clause that prevents the customer from making any claims during this waiting period. However, some companies offer a waiver of waiting period at additional charges, but it less likely to get a maternity insurance when you are already pregnant.
Who is eligible for maternity insurance?The eligibility criteria may vary from one insurance provider to another, but all of them require the woman to be at least 18 years old. You can find about the eligibility criteria of a particular insurance plan, such as the Health Edge Insurance Policy by SBI General, on the company’s website.
What is the waiting period of maternity insurance plans?The average waiting period can range from 6 months to 4 years depending on the insurance provider.
Will maternity insurance provide coverage from my second baby?Yes. In most maternity insurance plans, the expenses of up to 2 childbirths are covered.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.It secure our most valuable assets, It secure our most valuable assets
10 Homemade drinks that define Indian Summers. Cool off with these traditional chillers
With each passing year, the temperatures in summers seem to be setting new records. The scorching heat through the summer months leaves you parched for some refreshing drinks. This summer choose some refreshing traditional Indian chillers to cool you down instead of guzzling carbonated drinks.
Every region in India, has its own unique version of a summer drink, perfected over generations, to keep the heat at bay. Made from seasonal fruits, herbs and spices, these traditional drinks are not only refreshing but are packed with nutrients too. Moreover, each of them has a unique story, which is a rich medley of ancient culture and nostalgic memories. Hope you will rediscover these amazing thirst- quenchers.
1. Aam Pana
One of the advantages of living in a tropical country like India, is that you get to indulge in mango-based drinks. Made from fresh green mangoes (Kairi), this enticing sweet-sour-spicy drink, which could easily get you nostalgic, is mostly popular in North Western India. It is very beneficial in the treatment of gastro-intestinal disorders and is rich in vitamin C content.
2. Piyush
A summer drink devoured in Maharashtra and Gujrat, Piyush is a creamy concoction made from shrikhand, buttermilk, nutmeg, saffron and an assortment of dry fruits. The word Piyush, literally means ‘amrit’(drink of the Gods). Apart from its soothing taste, it is rich in calcium and vitamin E and B6.
3. Kokum
Sherbet A sweet and sour drink that is made from Kokum, a sweet and sour fruit that grows only on the Konkan coast. It is a vibrant red drink that works as an appetizer too. Kokum is also consumed as sol kadi, a mellow coconut milk-based drink that perfectly balances the spicy food of the coast.
4. Thandaai
Native to North India, Thandaai is a popular drink associated with festivals like Holi and Shivaratri. Holi literally means ‘cool drink’. It celebrates the onset of Spring followed by summer. It a tantalising version of milk energised with almonds, rose petals, pepper, vetiver seeds, cardamom, fennel seeds, magaztari seeds (watermelon kernel), saffron and sugar. This decadent drink is a soothing refresher.
5. Gulab Sarbat
A brilliant melange of lemon juice, cardamom seeds, rose petals and sugar. Gulab sarbat is traditionally consumed in Rajasthan to bring respite from the rising temperatures. It helps cool the body and mind.
6. Sattu ka Sharbat
Sattu drink is very popular in Eastern India. It is a sweet drink made from roasted black chickpea. This drink is popular not only for its cooling properties, but also for its nutritional quotient. Rich in protein, fibre, calcium, iron, manganese and magnesium, it is a wholesome drink in the summer. The high amount of insoluble fibre helps cleanse your colon, rejig your digestive system and relieve you from constipation and acidity. Sattu is a low-glycaemic index food and is a great option for diabetics.
7. Gondhoraj Ghol
Bengal’s own version of the buttermilk. Gondhoraj Ghol is a refreshing mix of curd, sugar, black salt, iced water and the pulpy juice of Gondhoraj lime. It is a subtle aroma and an unusual flavour, that gets most Bengalis ecstatic.
8. Sambharam/Neer Mor
A summer favourite in south India, sambaaram (also called neer mor) is a delicious spicy buttermilk made from curd, green chillies, ginger and yoghurt. Every state in the south has its own version of this summer staple which is believed to have digestive, probiotic, hydrating and reviving properties.
9. Ragi Ambali
Ragi(finger millet) ambali, also known as ragi java, is a popular drink in south India (particularly Karnataka) to beat the searing heat during summer. This traditional drink is packed with protein and gives instant energy boost.
10. Panakam
A savoured household drink in south India, Panakam is concoction of jaggery, cardamom, pepper and ginger. With a great balance of essential electrolytes, it is a refreshingly tasty drink that can get you asking you for more.
So, remain cool and healthy with these homemade summer drinks which are not only delicious but are extremely nutritious too.
12 Winter Skin Care Routine
Winter can be a challenging season for your skin. Cold temperatures and low humidity can leave your skin feeling parched and vulnerable to various issues such as dryness, flakiness, redness, and increased sensitivity. If you already have dry skin, these issues can aggravate, resulting in rough areas and an uncomfortable, tight feeling. To counteract these typical winter skin concerns, it is important to stick to a winter skin care routine. This page discusses some amazing winter skincare routines that address a variety of issues, especially winter skincare for dry skin. Learn how to keep your skin healthy, hydrated, and radiant during the winter.
Due to the cold and dry weather, certain skin disorders might worsen during the winter months. Here are some common skin problems:
Since lips have thin skin, they might dry out and crack in the winter. Many people lick their lips or peel away the dry portions, but this can aggravate the condition.
Rosacea causes your cheeks and eyes to become red and flushed. When it acts up, it can last for weeks or months. It can hurt your skin and eyes if you don't take care of it. Cold weather might exacerbate symptoms for many people.
Keratosis pilaris is often known as ‘chicken skin’. It occurs when you get little, painless pimples that are either reddish or the same colour as your skin. They are more visible when your skin is dry, as they occur in the winter.
Eczema is a skin condition that causes red, itchy rashes. People of all ages, including babies and older folks, can get it.
Psoriasis is yet another skin condition. It causes your skin to become thick and scaly, with red spots. Winter, with its dry air, can aggravate psoriasis.
In the winter, your skin can get extremely dry and irritated. But don't worry, there are some simple tips for skincare for winter months you can do to protect your skin during the colder months:
1. Use a thick moisturiserYour summer moisturisers may not be adequate for the winter. Switch to a thick, cream-based moisturiser instead for the winter months. It will help to calm your skin and protect it from becoming red and irritated.
2. Be gentle with your face washIf your face feels dry and tight after washing, your face wash is probably too harsh. Try a milder, hydrating cleanser with a balanced pH. It will clean your skin without leaving it all dry.
3. Pamper your hands and feetYour hands and feet don't have as many oil glands as the rest of your body; they can get extremely dry and cracked in the winter. Apply moisturiser before heading outside. Choose petroleum jelly or glycerine-based creams or lotions for your feet. You can even exfoliate your feet occasionally to aid in better absorption of the moisturiser.
4. Sunscreen is a mustEven in the dead of winter, the wind, snow, and rain may be harsh on your skin. Wear gloves and a hat, and remember to apply sunscreen. Although the sun may not seem as hot, UV radiation can still cause skin damage. For the best protection, choose a sunscreen that has titanium dioxide or zinc oxide.
5. Stay hydrated and eat wellDrinking plenty of water and eating nutritious food can help keep your skin looking healthy. Foods high in vitamins A, C, and E can be beneficial to the skin. They can help keep the skin in good condition. You can also hydrate your body by eating salads, soups, milk, and juices, which provide essential nutrients for healthy skin.
6. Get a humidifierWhen the indoor heating is on, the air inside can get quite dry. A humidifier provides moisture to the air, which can help prevent dry skin. Consider purchasing a humidifier for your home.
7. Wear comfy clothesTight clothing can aggravate dry skin, especially in cold weather. Wear loose, comfortable clothing. Soft and natural textiles are a good choice. Just ensure that your clothing isn't too tight, so your skin can breathe.
8. Don't overdo the scrubbingExfoliating your skin can be beneficial, but don't overdo it. Twice a week can be sufficient. Massage your skin in small circles to help increase blood flow. Your skin will appear healthy and bright. However, don't scrub too hard, or you will hurt your skin's protective barrier.
9. Avoid taking hot showersHot water may strip away your skin's natural oils. To avoid excessive dryness, take mild showers that are only a few minutes long.
10. Protective lip balmDon't forget about your lips. To avoid chapping and keep your lips supple and protected, use a nourishing lip balm with SPF.
11. Consider a serum boostAnother winter skincare essential is including a moisturising serum in your routine. Serums high in hyaluronic acid and antioxidants can provide your skin with an extra layer of protection and moisture.
12. Stay activeDuring chilly winter mornings, it can be tough to get up from your cosy bed. However, your skin can benefit from physical activity. Exercise can raise your heart rate, allowing more blood to reach your skin and important organs.
A winter skincare routine has multiple benefits for the health and appearance of your skin. During the winter, your skin faces a number of challenges, including dryness, irritation, and even damage from extreme weather conditions. Implementing a winter skin care routine will help you address these issues while also providing the following benefits:
A healthy skincare routine can also help to prevent skin issues such as eczema and dry patches, which are common in the winter. Regular moisturising and exfoliation can help keep these problems at bay.
The dryness of the winter air can leave your skin parched. A good skin care routine ensures that your skin receives the moisture it requires to stay hydrated, preventing dryness, irritation, and flakiness.
Winter's harsh conditions, such as cold winds and low temperatures, can damage your skin's natural barrier. To protect your skin from the elements, a winter skincare routine often involves protective products such as thick moisturisers and sunscreen.
Many winter skin care products contain important nutrients and vitamins that nourish your skin and keep it healthy and radiant. Vitamins E, A, and C, as well as antioxidants, can help repair your skin.
Following winter skincare tips, which include moisturising, gentle cleaning, and protective clothing, is essential for preserving healthy, glowing skin during the cold season, offering protection from the harsh winter elements, and promoting overall well-being. Similarly, having health insurance can protect you by providing financial support for medical care during medical emergencies. With a health insurance plan in place, you not only protect your health but also have the added benefit of potentially managing lower health insurance premium costs. So, to secure a holistic approach to your winter well-being, invest in both a winter skincare routine and reliable health insurance.
To keep your skin healthy during the cold season, the best winter skin care routine includes moisturising, gentle washing, safeguarding your hands and feet, applying sunscreen, staying hydrated, using a humidifier, wearing loose clothing, and avoiding excessive exfoliating.
Why is it necessary to take care of your skin in the winter?Long periods of exposure to chilly weather can cause your skin to become dry and flaky. A winter skincare routine is required to deal with dry skin throughout the cold season.
What should we apply to our skin in the winter?Changing weather can affect your skin, so it is critical to modify your skincare routine. To nurture your skin, use thick moisturisers without harmful chemicals and don't forget to use sunscreen.
What winter skincare essentials are ideal for winter?The best skincare products for winter are the ones that work well for your skin. Choose gentle products that do not include harsh ingredients.
What are the benefits of a humidifier for winter skincare?A humidifier adds moisture to the dry indoor air, preventing your skin from drying out.
Is sunscreen required in the winter?Yes, UV radiation can cause skin damage even in the winter; therefore, wearing sunscreen every day is vital.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.6 foods to avoid winter illness and stay healthy
Winter pollution and cold can disrupt your routine, raise stress and lead to overeating and weakened immunity. We recommend a balanced diet with enough protein to curb hunger pangs, and extra sleep to reduce stress.
Oats & Honey
Oats are a filling budget food to boost energy. They are high in immunity-boosting zinc and fibre to stabilize blood sugar. Honey’s antioxidants also boost immunity, and its anti-microbial properties kill bacteria & soothe sore throats.
Pomegranates
Pomegranate juice is rich in vitamin B and antioxidants, which curbs harmful cholesterol that leads to plaque build-up in the arteries. Its seeds can reduce chances of cancer, heart disease and high blood pressure.
Citrus Fruits
Citrus fruits contain vitamin C which boosts immunity (one orange contains a day’s worth). Their potassium helps maintain electrolyte balance. They are also high in fibre, which controls blood sugar and cholesterol.
Sweet Potatoes
A popular winter food, sweet potatoes are loaded with vitamins A and C. They contain antioxidants that reduce cell damage in the body, while their high fibre content helps stabilize blood sugar levels.
Dark Greens
Dark leafy vegetables are low in calories and rich in beta-carotene and vitamin C – both powerful antioxidants that help fight infections & build immunity. Cold weather even reduces their bitterness, making them tastier.
Carrots
Carrots are loaded with vitamin C and antioxidants. They also contain beta-carotene, which turns to vitamin A in the body, boosting immunity and enabling healthier eyes, skin & mucus membranes.
Which Spices?
Mustard and ajwain are a great flu remedy, stimulating digestion and increasing blood circulation. Methi soothes bone and joint problems that crop up in winter, while fresh turmeric is a great anti-microbial immunity booster.
6 Natural Ingredients for Soft Skin in Winter
As winter approaches, it is essential to take extra care of your skin to keep it nourished and soft. Low humidity, chilly winds, and indoor heating may all make your skin feel dry and uncomfortable. Instead of relying on chemical-laden commercial skincare products, try turning to nature's alternatives.
Nature provides a wealth of powerful and moisturising elements that can do wonders for your skin. This page explores six natural ingredients that might help you obtain soft, nourished skin during the winter months. These DIY winter skincare ingredients not only are inexpensive but also are free of harmful chemicals, making them a safe choice for your cold-weather skincare routine.
As winter comes, many people experience dry, flaky skin as a result of cold temperatures and harsh winds. Fortunately, there are a number of natural ingredients that can keep your skin soft and supple during the cold months. Here are six essential ingredients for your nourished skin care in cold weather:
1. Aloe veraAloe vera, a common houseplant, is one of the perfect hydrating natural ingredients for winter skin. It contains an abundance of vitamins C and E as well as beta-carotene and skin-beneficial enzymes, which not only make your skin healthier but can also protect it from environmental damage. The gel keeps your skin moisturised but not oily, so it's great for people with oily skin. Aloe vera gel, whether used on its own or combined with other ingredients for face masks, can be good for dehydrated or dry skin, which is quite common in the winter.
2. Natural buttersIn the winter, we bundle up in thick garments to stay cosy, and just like that, our skin needs some extra care too. Body lotions containing natural butters such as almond, cocoa, moringa, and mango can provide an additional dose of hydration for your skin. This will leave your skin feeling extremely supple, soft, and nourished.
3. TurmericYou are certainly aware of the fact that turmeric is beneficial to your skin, but did you know it can be especially beneficial in the winter? Turmeric, with its anti-inflammatory and antioxidant qualities, can keep your skin clear, cleanse your skin, and stop those winter breakouts throughout this season. You can use turmeric in homemade face masks or even add it to your food, like milk, for overall health and beautiful skin.
4. HoneyHoney, a common ingredient in Indian kitchens, has more than one purpose. It's also an excellent natural moisturiser. Surprisingly, it can not only keep your skin hydrated but also smooth out those wrinkles. You can create a basic honey mask by putting a thin layer of honey on your face, keeping it on for about 20 minutes, and then rinsing it off. This will aid in moisture retention and keep your skin soft and supple.
5. Coconut oilCoconut oil is a multipurpose natural ingredient that can be used as a moisturiser. While it might be a bit challenging for oily skin in the summer, it's an excellent choice for keeping your skin hydrated during the winter. Its fatty acids are fantastic for moisturising dry skin. Just apply a small amount of coconut oil to your face and body; it creates a protective shield against harsh weather, leaving your skin smooth and soft.
6. BananasBanana, a common and easy-to-find fruit, is one of the great natural ingredients for soft skin in winter. It can firm up your skin, smooth it out, and give it a clean, fresh feeling. All you have to do is mash some bananas, mix them with egg white or honey, apply it to your skin for 15 minutes, and then wash it off with water. This mask will leave your skin supple, soft, and luminous.
The benefits of using natural ingredients for soft skin in the winter are numerous. These ingredients are frequently free of hazardous chemicals and additives, making them gentler on your skin. They are also inexpensive and easily accessible. Natural ingredients also offer:
While natural components are generally healthy for your skin, proper application is essential. Here are some tips for using natural ingredients safely:
Maintaining soft and healthy skin is essential during the winter months, and natural ingredients are an excellent approach to achieving this. However, protecting your general well-being is just as important. This is where a health insurance policy comes in. SBI General Insurance provides health insurance products tailored to your specific needs. You can determine the ideal coverage with the Health Insurance Plan Calculator. So, keep your skin and health safe this winter and beyond.
Yes, there are many natural ingredients that are gentle and good for sensitive skin. However, you should perform a patch test to ensure that you do not have any adverse reactions.
How frequently should I use these natural ingredients to get the best results?Consistency is key. Depending on your needs, incorporate these ingredients into your daily or weekly skincare routine.
Can I combine multiple natural ingredients to create a skincare treatment?Yes, you can mix and match these ingredients based on your skin's specific needs. For example, you may make a mask out of honey and bananas.
What are the advantages of utilising natural components in winter skincare over commercial products?Natural ingredients are frequently gentle on the skin and may be free from harmful chemicals. They can effectively hydrate and nourish the skin, resulting in soft, healthy skin.
Are there any risks associated with using natural ingredients on the skin?While natural ingredients are typically safe, some people may be allergic or sensitive to them. It is advisable to perform a patch test, and if you have specific skin concerns, consult a dermatologist.
Do natural ingredients suit all skin types in the winter?Natural ingredients are often mild and appropriate for all skin types. However, a patch test is required to determine that they are suitable for your skin type.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.