We are planning a baby and now checking insurance papers, but the wording is so confusing. Some people say maternity has waiting period. How did you find out if delivery was covered?
Depends fully on your specific plan. Some cover normal and c-section up to a capped amount, some dont at all. Ask your insurance agent directly for the maternity sub limit and what tests are included before you plan.
Haan but usually theres a waiting period of few years for maternity, so people who plan early benefit. If yours doesnt cover, keep some savings aside for delivery. Just call the insurance helpline and ask clearly.
Most regular mediclaim policies have a maternity cover only as an add on, and usually with a waiting period of 2-4 years. So you cant just take it after getting pregnant. Read your policy fine print, the waiting period is the catch.
Check your office corporate insurance first, many company group policies cover maternity without long waiting. My delivery was largely covered through office mediclaim. Call HR and ask the exact limit.
