We just found out im pregnant and now thinking about delivery costs and all. Does our normal health insurance even cover maternity or do we need a separate thing? bit lost on how this works here, pls guide.
Most policies have a waiting period for maternity, often 2 to 4 years, so check that carefully. We planned ours in advance and it helped a lot with delivery costs. Read the fine print on caps and what tests are covered.
At my hospital the insurance desk explained the cashless process clearly, so do ask them directly. Some maternity packages have sub limits so confirm room rent and procedure caps. The hospital billing staff are usually quite helpful with this.
Honestly we kept some savings aside also because the waiting period was long for us. A simple FD as backup helped. Insurance is great but plan a buffer too.
My company group insurance covered maternity which saved us a good amount. If you have a corporate policy, check that first, the waiting period is often waived. Call HR or the insurer and confirm exactly whats included.
