Can I purchase maternity insurance if I’m already pregnant?
While you can purchase maternity insurance if you are pregnant, note that coverage kicks-in only after the waiting period.
Can I claim maternity benefits from two insurance policies?
While you can purchase maternity insurance if you are pregnant, coverage kicks in only after the waiting period.
Can both husband and wife claim maternity insurance?
If both husband and wife have separate policies, they can claim maternity insurance from their respective policies.
Why should I consider buying maternity insurance?
Maternity health insurance provides holistic coverage during pregnancy and childbirth. It eases financial burden and also covers pre- and post-natal expenses.
Is coverage available for a third childbirth under maternity insurance plans?
Most maternity insurance plans cover up to three deliveries. However, check the policy documents to see if the policy provides coverage for more than three childbirths.
What factors should I consider before purchasing maternity insurance?
Waiting period, sum insured on offer, inclusions and exclusions, insurer’s claim settlement ratio, quality of service, etc. are some factors to consider before buying maternity insurance.
How does the maternity insurance claims process work?
Inform your insurer about hospitalisation and fill out the claims forms along with the required documents, including original bills, receipts, discharge certificates, original investigation reports, etc.
Is there a maximum claim limit for maternity insurance?
Maternity coverage under a regular health policy is usually capped up to a certain percentage of the annual sum insured. For standalone maternity insurance plans, this could be a flat sum insured per your chosen policy.