Just found out im expecting and now tension about the delivery costs has started. We have a family health policy but no idea if maternity is included. Anyone here actually claimed for delivery, how did it work?
Yes, maternity is covered in many premium plans, but do check the limit for normal vs C-section. While sorting out finances, also keep up your light walks and prenatal yoga if your doctor has allowed it. Staying active keeps your mind clear for all this paperwork stress!
Most insurance does cover it, but the paperwork can be such a headache when you just want to eat pani puri and sleep! Definitely get your husband to call the insurance company and check the details so you can focus on resting and eating well.
Let's be practical: most personal health insurance policies have a 2 to 4 year waiting period for maternity. Corporate policies usually cover it instantly. Read the fine print of your policy today so you aren't hit with unexpected hospital bills later.
It depends on your policy, but many corporate plans cover it from day one. I had severe vomiting and had to be hospitalized for dehydration once, and thankfully our insurance covered those expenses. Definitely call your agent and clarify the terms early on.
Many policies cover delivery but might not cover day-to-day OPD costs like regular scans or diabetes tests. Since I had gestational diabetes, my testing expenses were high and didn't get covered under standard maternity insurance. Please check if OPD is included.
Haan, bilkul cover hoti hai par isme ek waiting period hota hai na. Normally maternity cover activate hone me 2-3 saal lagte hain. Aapko apni policy details ache se check karni padengi pehle.
