We just found out im expecting and now thinking about delivery costs and all. Does normal health insurance cover maternity or is it a separate thing? Anyone who claimed recently pls share how it worked.
Honestly, most corporate insurance policies cover maternity up to a certain limit like 50k or 1L, but personal insurance usually has a 2 to 4 year waiting period. My doctor told me to check with the hospital TPA desk directly in the 7th month itself to get the pre-auth done on time.
Don't stress too much about the money part right now, just take a deep breath. Sit down with your husband and call your HR or insurance agent tomorrow to get clear details. Most company insurances do cover it, so you will likely be fine.
I just delivered last month and used corporate insurance. The cashless process took about 3-4 hours during discharge, so keep some cash handy for deposit and non-medical items like diapers and charges that they don't cover.
Haan beta, aajkal toh acche insurance me sab cover ho jata hai. Humare yahan ke bade hospital me cashless ho gaya tha humara checkup aur delivery ka kharcha. Aap ek baar apne policy ke kaagaz check kar lo ya kisi se puchvao.
I totally understand how stressful it can be to think about the financial side while welcoming your little miracle. It actually depends on your specific corporate or personal policy. Some have a waiting period of 2-3 years, so please check the details so you can prepare peacefully.
In my case, my husband's corporate insurance covered up to 75,000 for my C-section. We just had to pay for the baby's consumables and some extra charges out of pocket. It really made the whole hospital stay much smoother for us.
