We are planning to start a family soon and want to sort out insurance before, since most have waiting periods I think. Bit lost about which policies actually cover delivery and all. What did you ladies go for?
Personally, I used my corporate insurance which covered up to 50k of maternity expenses. Every policy is different, so it's best to check your specific corporate or personal policy documents directly.
My MIL insisted we look into insurance early on so we wouldn't have to worry about hospital bills. Many corporate plans cover it from day one, but individual policies usually have a waiting period. Definitely check the terms.
Haan, corporate policies best hoti hain, unme generally waiting period nahi hota, na? Individual plans me toh 2-3 saal ka waiting period rehta hai. Ek baar HR se ya agent se confirm kar lo.
I used a family floater plan, but we had to wait 3 years before conceiving to get the maternity benefits. It covered my delivery and initial baby care. Check the fine print of your policy carefully.
Make sure to check the waiting period, as most policies have a 2 to 4-year wait for maternity. Since I had complications, having good coverage was crucial. Always consult your insurance agent or hospital's billing desk to understand what is covered.
Most premium hospitals have a dedicated TPA desk that handles insurance. Ask them directly which corporate or private policies they have cashless tie-ups with. It makes the billing process extremely smooth.
Beta, nowadays hospital deliveries are very expensive, so having insurance is a blessing. Talk to your husband and check his office policy, they often cover maternity from day one. Take care of your health first.
