Does short term insurance cover pregnancy?

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.

Mostly no, there's usually a long waiting period. Check your policy.