While approximately 20% of the global deaths can be attributed to preventable causes during maternity and childbirth, India contributes significantly to this data. Although the Maternal Mortality ratio is at its lowest (for India) with 130 deaths per 1,00,000 live births, it is far from reaching the pre-set Sustainable development Goal target of 70 deaths per 100,000 live births. The absence of appropriate prenatal care coupled with lack of knowledge regarding the do’s and dont’s are the roots to such escalating cases of pregnancy complications.
Six common gestation complications
While pregnant women with insurance covers remain financially covered against any such prenatal complications, holistic knowledge of the impending and possible pregnancy complications is a must. It ensures that individuals stay well-equipped with the required medical steps or can avoid the occurrence of such complications during the gestation period.
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Sometimes women experience high blood pressure during pregnancy; this is commonly known as gestational hypertension. Such high-risk pregnancy conditions generally occur after 4 to 5 months of pregnancy and go away after childbirth. Mothers suffering from this condition are usually advised to intake Vitamin B rich medicines.
- Gestational diabetes
This condition occurs during pregnancy when the hormonal changes in the body cause a lack of insulin production. Thus it causes glucose to build up in the blood and causes diabetes.
Miscarriage can occur due to multiple reasons, such as a compromised immune system or hormonal complications. A woman, who has experienced a miscarriage once, will face problems in conceiving again. However, the chances of experiencing miscarriage are higher for women over 35 years old. This is because a woman experiences several hormonal changes after this age. Moreover, a recent study showed that fathers who are over 40 years old could also affect miscarriage.
Such compromised immune system can lead to other adverse effects on the health of expecting mothers, requiring expensive medical care for a smooth recovery. Such treatment can be financed through infection cover respectively.
Pregnant women who have poor eating habits can suffer from nutritional deficiencies in the body. During pregnancy, a woman needs to follow a proper diet to stay healthy and fit. Intake of junk food can cause complications for both the mother and child.
Women who have anaemia may experience significant complications during pregnancy. Pregnant women with anaemia will feel extremely tired and exhausted all the time. In case the mother is suffering from severe anaemia, and it goes untreated, it can result in premature birth.
- Polycystic ovary syndrome
This is a syndrome which causes a hormonal disorder that results in irregular periods and ovaries do not function properly. Pregnant women who have this condition have higher chances of experiencing premature childbirth, preeclampsia and miscarriage.
Developing such complications might require extensive medical treatment to restore the health of both expecting mother and foetus. You can utilise pre-existing maternity insurance plan in such events, to ensure quality treatment for pregnant women at renowned hospitals respectively.
Why should you avail insurance plan for pregnancy?
Women may experience various complications during pregnancy. These complications need immediate medical attention. Parents can avail the Pregnancy Complications Cover offered by Bajaj Finserv under Pocket Insurance & Subscriptions at nominal premiums. Substantial coverage of up to Rs. 50,000 is extended under such insurance policy.
The best insurance plan for pregnancy includes the expenses of pre and post hospitalisation, medication and doctor. Moreover, this insurance policy also covers treatment charges, including tests, hospital room rent, transfusion, etc.
Regardless, in certain instances, pregnant women do not get paid maternity leave, affecting their finances significantly. It compromises their ability to get the best quality routine medical care, thereby affecting their health. You can avail hospital cash cover to get remuneration for hospital stays, effectively compensating for the loss of pay.
As treatment for most such complications can be quite expensive, a majority of financial institutions offer pregnancy complications cover, which provides financial assistance during maternity complications and covers all medical expenses.