We are planning to start trying soon and i realised i have no clue about maternity cover. Most policies i checked have a long waiting period for delivery. Which insurance actually covers pregnancy properly, pls share what u have.
Maternity benefit is usually an add-on, not in basic plans, and it has waiting periods. Check if it covers both normal and C-section, plus newborn care. Honestly call two-three insurers and compare, terms differ a lot.
My company's group mediclaim covered my delivery, thats the easiest if your office offers it. For personal plans there's usually a long waiting period. Read the maternity sub-limit carefully, mine had a cap on the amount.
If you're planning ahead, buy a maternity cover well in time because of the waiting period, otherwise it wont help for this pregnancy. Employer insurance is the quickest route. Always check the sub-limit and the list of network hospitals.
Look for health policies with maternity cover, but most have a waiting period of 2-4 years so you have to plan early. We checked our employer group policy first, those often cover delivery from day one. Compare the room rent limit and cap also.
We took a maternity rider on our health plan but the hospital insurance desk was super helpful in explaining what was covered and the cashless process. Best to call the insurer directly and confirm room rent, delivery type and newborn cover.
