The story of modern maternity insurance

• Significant improvement in India’s Maternal Mortality Ratio (MMR) from 130 to 97 per 1 lakh live births between 2014-2016 and 2018-2020, yet still approximately 25,000 maternal deaths annually.

• Nearly 50% of pregnancies in India are high-risk, with 49.4% of surveyed women exhibiting one or more high-risk factors.

• Maternity insurance is evolving to provide comprehensive care beyond hospital bills, addressing physical, emotional, mental, and spiritual needs during pregnancy.

• Insurers are reducing waiting periods for maternity coverage from 2-4 years to as low as three months, making it accessible for expecting couples.

• New policies include pre- and post-natal care, newborn support, and wellness initiatives like prenatal screenings and consultations with healthcare professionals.

• India’s MMR remains above the UN Sustainable Development Goal target of 70 per 1 lakh live births, highlighting ongoing challenges in maternal health.

• Urban lifestyles and delayed pregnancies contribute to increased medical risks and rising childbirth costs, putting financial strain on families.

• Wellness-driven maternity coverage can mitigate financial burdens while promoting preventive care, aligning with families’ desire for holistic solutions.

• There is a continuing need to embed wellness into maternity insurance to ensure expecting mothers receive comprehensive emotional and clinical support.

Modern maternity coverage is important topic for Civil service exam (WBCS).

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