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Old April 19th, 2016, 01:19 PM
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Join Date: Nov 2011
Default Re: Maternity cover health insurance

Hey as It is usually offered as a rider with your main health insurance policy.
Maternity insurance covers expenditure related to both caesarean and normal
delivery.

Inclusions in Maternity Insurance

Expenses 30 days prior to hospitalization and 60 days post hospitalization

Pre and post natal expenses

Delivery expenses

Coverage for the new born baby up to the expiry of the current policy

Ambulance charges for emergency transportation to hospital

Exclusions in Maternity Insurance Policy

Expenses on tonics, vitamins unless part of treatment or otherwise
mentioned in the plan.

Doctor’s visit for regular checkups.

The follow-ups, diagnostic tests and doctor’s consultation during nine month
of pregnancy are not covered.

Limitation


Firstly, the sum insured may not be sufficient enough to cover maternity
expenses. Insurance cap could vary between Rs 20,000- Rs 70,000, which
may not be enough to cover delivery costs.

Secondly, waiting period is usually 3 or 4 years. Though claims cannot be
declined if the policy has been bought but there might be situations when the
insurer refuses to pay in case of late pregnancy (35 years and above).
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