We are planning to start trying soon and i want to sort out the health insurance part first. Heard most policies have a waiting period for maternity, thoda confusing hai honestly. If anyone took a good one pls suggest.
We didn't have maternity insurance when I got pregnant and had to pay everything out of pocket, which felt like a huge burden back then. But looking back now that my toddler is running around, those expenses seem so tiny compared to the absolute joy we have.
Because of my PCOS history, we anticipated that we might need extra medical support and scans, so we researched policies very early. Please check if the plan covers newborn baby complications from day one, as many basic plans exclude this.
I'm in my 9th month and let me tell you, sorting out insurance policies right now is the ultimate test of patience! I wish I had looked into this before my big belly blocked my view of the laptop screen. Definitely check the waiting periods before buying!
Check the waiting period of individual policies very carefully yaar. Actually, most corporate insurances cover pregnancy from day one, but if you buy private health insurance, they usually have a 2 to 4 year waiting period for maternity.
Plans like Star Health Wedding Gift or Care Joy have decent maternity cover, but they always come with sub-limits and high waiting periods. My advice is to check if you can get a corporate top-up plan first, as corporate policies have the easiest cashless claim settlement for deliveries.
My corporate policy covered up to 50,000 for normal delivery, which was a huge help. Do make sure to check if your insurance covers pre and post-natal consultations and medicines, because those small doctor visits and calcium pills add up to a lot.
My father suggested taking a heavy maternity top-up plan, but I decided to speak to our hospital's billing desk directly first. They know which insurance companies actually settle cashless claims quickly without creating trouble, so trust the hospital desk's advice.
