We are planning baby next year and now checking insurance properly. So many policies have waiting period and hidden conditions, yaar it is confusing. Which type of mediclaim did you take for maternity?
No single brand answer here, the catch is always the waiting period. Whatever maternity policy you pick, you need to buy it well before you conceive. Compare on a portal and read the sub limits carefully.
We asked the hospital insurance desk directly which policies they accept for maternity and cashless, that cleared a lot. Different insurers have different room rent limits, so confirm that part before delivery.
Honestly check if your office group health policy covers maternity first, many corporate plans do without the long wait. Mine covered a good chunk. For personal plans, look for ones with maternity benefit and compare waiting periods.
Plenty of insurers offer maternity add ons now, but terms vary a lot. I'd suggest comparing 2 to 3 plans on coverage, waiting period and newborn cover, and maybe talk to an advisor for your situation.
Most maternity covers come as an add on and usually have a waiting period of 2 to 4 years, so its better to plan early. We added the maternity rider before planning and it helped with delivery cost. Read the fine print on what tests and room rent it covers.
