We have a family mediclaim from hubby's office and im in 2nd trimester now. Not sure if delivery and all is even covered or there's some waiting period. Anyone who actually claimed it, kaise hua? pls guide.
I was also researching this recently! It seems most corporate insurances cover it, but individual ones have a 2 to 4 year waiting period. It's better to check the terms before you plan the delivery hospital.
Many policies do cover maternity, including C-sections and complications. But remember, things like special diabetic diets or OPD consultations might not be covered. Call the insurance helpline to get the exact list of inclusions.
My saas was also telling me to check this because hospital deliveries can get quite expensive these days. Definitely ask your husband to talk to his HR or the insurance agent to see if maternity is covered in your plan.
Yes, it absolutely can be used, but it depends on your policy terms. Some corporate plans cover it from day one, while personal plans have a waiting period. Check your policy document, don't worry everything goes smoothly!
Hospital bills can bite into our baby budget, and honestly, I'd rather spend that on good food and baby clothes! Check with your insurance provider if they have cashless facility at your preferred hospital.
Yes, most corporate policies cover maternity up to a certain limit like 50k or 1 lakh. Just contact your HR directly and get the T&C sheet. It saves so much last-minute stress at the TPA desk in the hospital.
