There are two types of restoration benefits:
These are the expenses that are incurred before the hospitalisation for delivery, such as doctor consultations, ultrasounds, blood tests, urine tests, medicines, etc. Most health insurance policies with maternity benefits cover these expenses up to 30 days before hospitalisation.
These are incurred during the hospitalisation for delivery, such as room rent, nursing charges, doctor fees, anaesthesia charges, operation theatre charges, medicines, etc. Insurers usually cover both normal and C-section deliveries.
It includes follow-up consultations, tests, and medicines. Insurers cover them up to 60 days after hospitalisation if your health plan has maternity cover.
These expenses are for the treatment and care of the newborn baby. It includes vaccinations, immunisations, congenital disability treatment, and more. Most insurers cover these expenses for up to 90 days after childbirth.