We have a hdfc ergo policy and planning for a baby soon. Trying to figure out the maternity part before delivery costs hit us. Anyone here actually used it for their delivery, kaisa raha?
We planned ahead and kept some savings aside assuming insurance might not fully cover delivery. Turned out our policy covered part of it after the waiting period. Read the fine print on sub limits, that caught us a little off guard.
I had a corporate group policy that covered maternity without the long wait, so check if your employer offers that too. For individual plans the waiting period usually applies. Quickest is to call their helpline and ask about your exact policy.
Most health policies cover maternity only after a waiting period of a few years, so check your specific plan document. With mine the maternity cover had a 3 to 4 year wait and a cap. Call the insurer directly and confirm the waiting period and limit before counting on it.
