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Old March 22nd, 2016, 10:20 AM
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Join Date: Nov 2011
Default Re: Maternity Medical Insurance

Mediclaim policies in India such as maternity insurance are offered by insurance firms as a component of group insurance policies to corporate houses. None of the general insurance firms provide complete Insurance Policy for Pregnant Women as the coverage shields only unanticipated risk cover and maternity is not categorized under this.

As per your demand here I am providing you list of the Companies offering Maternity Insurance under Group Policy in India

1) Star Health Insurance: Toll free number: 1800 425 2255 / 1800 102 4477
2) Max Bupa: Also covers consulting and vaccination expenses. +91-22-3301-9520
3) Apollo DKV: Covers expenses for day care, pre and post hospitalization. +91-124-4584000 (Gurgaon)
4) ICICI Lombard: Covers OPD including pre-natal check-up. 097 20895034
5) Cholamandalam General Insurance 022-3964-8700
6) United India Insurance: Maximum amount that can be reimbursed is INR 50,000 or the assured sum whichever is lower. Toll Free: 1-800-425-33333

Coverage offered includes mainly the following and might vary according to the insuring companies:

1) Expenses for visit to obstetrician or gynaecologist
2) Pre and post hospitalization expenses which includes room rent, routine check-ups, etc.
3) Cashless claims
4) Coverage for new born baby right from the day of birth till the policy is next renewed, free vaccination
5) Tax saving benefit under income tax section 80D

Things to consider before buying medical insurance for pregnancy
1) Waiting period. Normally it is very high and can be claimed after 3 years from the date of buying the policy
2) Any cap on the claim amount
3) If you have already purchased an insurance policy then ask your insurer on whether coverage for pregnant women is included. If not, then ask whether it is available as a rider option
4) If your employer offers health insurance then check whether maternity is covered under the group plan and the waiting period for the same
5) Maximum coverage
6) Coverage offered in case of pre-mature birth and what type of expenses are covered
7) Whether any expenses incurred after delivery are covered or not
8) Most importantly go through all the documents to understand the terms and conditions
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