We just found out im expecting and i took a short term policy only a few months back. Now im not sure if delivery and all will even be covered with the waiting period. Has anyone dealt with this? bit stressed about the hospital costs.
Honestly the fastest way is to just call your insurance helpline and ask about the maternity waiting period. I did that during lunch break and got a clear answer. Don't rely on guesses, the policy document has the exact terms.
Short term plans generally exclude maternity, that's the standard here. If you are planning, look at a proper maternity cover well in advance because of the waiting period. Check your specific policy wording though, every company differs.
At my hospital the insurance desk checked my policy and told me clearly what was covered and what wasn't. I'd suggest asking the hospital's TPA or insurance desk directly, they deal with this daily. Get it in writing before admission so there's no confusion at billing.
From what I went through, most regular health policies have a waiting period before maternity is covered, often two to four years. Short term plans usually don't cover delivery costs. Please read the policy maternity clause carefully or call the insurer directly, that's what saved me from a shock at the hospital.
We realised our plan didn't cover maternity so we just started saving separately for the delivery. Keep some buffer because tests and scans add up too. Calling the insurer and confirming early really helps you plan the budget.
