Becoming a parent is a joyous feeling, but it has its own share of financial obligations and responsibilities. Right from when you start expecting a baby, to when you visit gynaecologists, or undergo medical tests, incur the costs of medicines and delivery expenses, the financial burden keeps constantly increasing.
You can tackle these rising childcare expenses, while enjoying these beautiful new moments of your life by opting for a maternity insurance. There are many health insurance plans in India, providing maternity insurance benefits as an add-on cover. You can also buy a separate maternity insurance policy to secure yourself against the financial obligations of having a child.
Read more to know about the top 5 important factors of maternity insurance.
1. Maternity insurance is available as an add-on or inbuilt benefit
Maternity cover is available as an add-on rider or in-built benefit under a health insurance plan. You need to check with your insurer while buying a health insurance policy whether it provides maternity benefits as an in-built feature or you can buy it as an add-on rider with a nominal addition to the premium amount. Also, many insurance companies have introduced separate maternity insurance plans with greater flexibility and enhanced benefits.
2. Maternity insurance cover comes with a waiting period
All maternity covers come with stringent waiting period ranging from 36 to 72 months of continuous renewals. So, it’s important that you buy maternity insurance beforehand when you’re planning to have a baby to make optimum use of policy. However, there are some innovative health insurance maternity coverage plans that come with extremely low waiting period of 9 to 12 months.
3. Coverage depends on the type of maternity insurance
A maternity insurance policy generally covers you against the hospitalisation charges and the fees paid towards the gynaecologist, anaesthetist, paediatrician, and other medical officers. Additionally, some plans also cover pre- and post-hospitalisation expenses along with the costs of medicines and child-care charges like vaccination of the baby. Make sure you pick the right plan so that the expenses to pay from your pocket is minimal.
4. Maternity coverage plans come with a sub-limit clause
Both group and individual health insurance policies that offer maternity coverage limit their maternity payout. So, even if your health plan covers you for a few lakh rupees, the maternity payout from that coverage will be considerably less. The sub-limits generally lie between Rs.20,000 to Rs.50,000 depending on the type of delivery. Hence, you should keep an eye on the sub-limit clause while incorporating maternity insurance in your health cover plan.
5. Premiums for maternity coverage is generally higher but useful
The premiums charged by the insurer for a maternity cover are usually higher than regular health insurance plans. However, the high premiums for maternity insurance are justified since it covers an almost certain condition and you may be saved from paying a hefty amount out of your pocket whenever you plan to become a parent. There are also many insurance providers that offer health insurance with maternity cover online at nominal premium rates.
Same Day Dentures – Actually Worth The Investment or Not?
Did you say yes to same-day dentures? If so, then you are already on your way to a brilliant smile. It is one of the most prominent tooth replacement options in the latest dental technology. It has merely allowed streamlining the process and allowed people to come back home with a full set of teeth after just one appointment. Are you wondering how it works?
Mainly, one or more than one implant is inserted into your jaw bone, instead of spending 3-5 months. It clearly means that very minimal time is spent without a visible missing tooth. There are two ways how it differs from the traditional ones.
First of all, same-day implants don’t take much of your time, just a few hours. Whereas, the typical tooth implant procedure takes more than 3 months and that too, with a missing tooth. Secondly, it requires a very less number of visits. But remember, the success rate of this treatment is not that higher as compared to the standard one.
What is the procedure like?
In general, the individual doesn’t have to wait for several months for his gum/tissue to heal. Your dentures are on the spot, ready for the placement. Before the extraction, your expert dentist will take the impressions and images of your dental area. This procedure is applicable for:
- Replacing a single tooth
- Replacing 2-3 missing tooths
- Full set of dental implants
- All on 4 implants or All on 6 implants
Are you the right candidate for a tooth implant procedure?
If you are wondering what makes them different from other procedures. Basically, they don’t differ much, it is just the time that counts, and the lab work that takes almost a week. If you have made your mind to get it done? If yes, then simply head to a certified/licensed dentist near you and get them fitted while ensuring that the dentures satisfy your needs. Once done with the placement, you are good to go! So, what are you waiting for? Say no to those frequent and never-ending visits and the tedious waiting period.
Is the procedure painful?
Generally, same-day dentures are implemented under local anesthesia. If any sort of sedation is required, that is also provided as it blocks the pain trails. After the effect starts to lessen, an individual may begin to feel a slight discomfort. But not to worry as the dentist recommends specific pain relievers.
Taking care of same-day implants
Well, it entirely depends on oral hygiene and how long you maintain it. Check out the tips below:
Most expert dentists recommend using a soft-bristle toothbrush. The gentle bristles are generous to the crowns and tissues. Plus, they quickly adapt to the crown surfaces, which helps in thorough cleaning and removing the plaque. A pro tip to follow here is to use a toothpaste with Fluoride as it will keep the cavity formations and decay at bay.
Hold on, we are not talking here about the alcohol-based mouthwashes. Ask your dentist for any suitable recommendation. Going twice with mouth rinsing helps in lessening the plaque and bacterial load, which eventually leads to better oral hygiene.
An appropriate floss should be used to clean the area of contact for improving gum health. If an individual follows this, then there’s no risk of dental bone loss in the long run.
Remember, the key takeaway is to evaluate and get the treatment done from time to time. It is better to avoid smoking, alcohol intake, tobacco chewing, and consuming processed foods as much as you can.