Does national insurance mediclaim cover pregnancy?

Question

We have a national insurance mediclaim policy from before marriage and now im 2 months along. Trying to understand if delivery and all is covered or if there's some waiting period thing. Has anyone here actually claimed for pregnancy with them?

Devika Mohapatra · Answer

We kept a small separate savings for delivery just in case insurance didnt fully cover. Good to keep both options ready. Ask the hospital billing desk too, they know what claims pass.

Lavina Prasad · Answer

Most maternity covers have a waiting period of like 2-4 years, so check ur policy papers carefully. Call their helpline and ask exactly whats covered, delivery, scans, room. Plan early so the cost doesnt shock u later.

Himani Shetty · Answer

Check the waiting period clause first, thats the catch usually.

Namita Menon · Answer

Depends fully on your specific plan and rider. Read the maternity clause and waiting period, dont just assume. I called customer care and got it confirmed in writing, saved me later.