Just found out im pregnant and suddenly thinking about all the delivery kharcha. We have a normal health insurance from hubby's office but no idea if maternity cover hai ya nahi. How do u even check this yaar, pls share.
Currently in my 9th month and let me tell you, babies are expensive even before they arrive! 😂 My insurance has some limit but honestly, as long as this baby comes out safely, I will pay whatever!
For me, my husband's office insurance covered up to 50k for normal delivery. I didn't have to do much, the hospital's TPA desk handled everything directly.
Oh god, insurance is such a headache, I used to worry if they would reject my claim at the last minute! Please check the fine print of your policy carefully right now so you don't face issues later.
It actually depends a lot on your policy, as many corporate insurances cover it but personal ones have a waiting period. It's best to check with your HR or agent first, and of course discuss your delivery plan with your gynac.
Oh I got so stressed about bills during my first trimester! But don't worry, once I checked with my insurance team, they explained the maternity benefit clearly. It is quite common, just call your provider and they will guide you.
Look, look at your policy document today itself. Most individual policies have a 2 to 4 year waiting period for maternity, while corporate plans cover it from day one. Call your insurer and get the exact cashless limit.
