Just found out im pregnant and now tension is about all the hospital bills, delivery vagera. We have a company health policy but no idea if maternity is included or not. Anyone here who claimed for delivery, pls share how it worked for u?
Beta, usually corporate plans cover delivery, but for personal policies, there is a waiting period of 2-3 years. Ask your husband to call the insurance company or his office HR today. Meanwhile, you take care of your diet, eat soaked almonds and walk a bit, let the men handle these paperwork details.
I just delivered three months back, so I can tell you exactly how it works. Most corporate policies have maternity cover with no waiting period, but they usually have a limit like 50k or 70k. Keep all your bills, prescriptions, and reports safe from the first month itself, because you will need them for reimbursement if you don't get cashless.
Honestly, it depends on your policy but yes, many do cover it! Mine was a corporate policy and it covered almost my entire normal delivery charges, which was such a relief. Just call your TPA or insurance customer care and ask about the maternity limit and if newborn baby cover is included from day 1.
Actually, maternity cover usually has a waiting period of 2 to 4 years in retail health insurance, but if it's a corporate policy from your company, it's covered from day one. Do check if there's any capping on room rent or a co-pay clause. Also, make sure to ask if the policy covers the baby's vaccinations and nursery charges too.
God has beautiful plans for you, so please stay positive and don't take any stress about bills right now. Yes, many corporate and private insurances do cover pregnancy nowadays. Just tell your husband to check the policy terms once, and you focus completely on your peace and the little soul inside you.
