How do I claim for maternity insurance?

Given below are the documents needed to claim a maternity insurance policy.

1. Duly filled in claim form.
2. Policy documents.
3. Admission advice.
4. Discharge summary.
5. Fitness certificate.
6. KYC documents.
7. Consultation bill.
8. Original hospital bill.

Can I apply for maternity insurance if already pregnant?

Can you get maternity insurance if already pregnant? Most insurance companies do not offer maternity health insurance if you are already pregnant, as it is considered a pre-existing condition. However, you can buy regular health insurance during your pregnancy.

How do I claim health insurance for delivery?

Maternity Insurance Claim Process

1. After informing the insurance provider through the website or toll-free number, submit the duly filled in claim form.
2. The hospital will verify and then forward the required documents submitted by you to the insurance company.

Is maternity covered under health insurance in India?

Maternity insurance provides cover for maternity-related expenses. Maternity-related expenses are covered in the form of riders of a health insurance product (policyholders will be charged additional premium for the cover). In some cases, maternity coverage comes under the ambit of OPD related expenses.

What is the waiting period for maternity insurance?

Also, maternity insurance policies have a waiting period of 3-4 years before benefits come into play. To ensure that the insurer is providing maternity cover it is suggested to check the policy wordings before paying the premium.

Can husband wife both claim maternity insurance?

Yes, if both husband and wife are covered from their employer, they can claim from insurance provided to them by both the companies.

Which insurance is best for pregnancy?

There are three types of health insurance plans that provide the best affordable options for pregnancy: employer-provided coverage, ACA plans and Medicaid.

What type of insurance is best for pregnancy?

Can I get health insurance after pregnant?

Under the ACA, all Marketplace plans must cover pre-existing conditions you had before coverage started. According to Healthcare.gov, pregnancy is not considered a pre-existing condition. So if you were pregnant at the time that you applied for new health coverage: You can’t be denied coverage due to your pregnancy.

Does HDFC Ergo cover pregnancy?

HDFC ERGO offers medical insurance with maternity benefits in two of its plans namely; Health Suraksha Gold & Medisure Classic. Both these plans offer ample of benefits along with maternity cover after a continuous renewal of 4 years.

When do I get maternity insurance?

If you purchase insurance cover above Rs 5 lakhs then you are eligible to get maternity insurance cover. However, the waiting period to avail of maternity care cover is 36 months. But the plan does not cover post-natal expenses and the case of early delivery.

When should I buy maternity insurance?

Know the Waiting Period and Sub-limits The insured needs to serve a waiting period of 2-6 years before making any claim. However, quite obviously, it may vary insurer to insurer. Hereby, it is advisable to buy a maternity plan as early as possible, even if you’re not planning to conceive anytime soon.

Can I claim maternity expenses from my employer’s health insurance?

In case your employer provided plan covers maternity expenses, claim from that policy without touching your own policy. This will also allow you to preserve the no-claim bonus. Additionally, if the cost you have incurred exceeds the cover offered by your employer’s policy, you can claim the balance through your individual health policy

What is the maximum amount for maternity benefits in India?

Benefit limit for maternity and new born baby related claim is capped between Rs. 15,000-30,000 for normal deliveries and between Rs. 25,000 – Rs. 50,000 for caesarian births. It may seem insufficient considering maternity costs in A-rated hospitals in metros but can help in reducing the burden of these expenses.

How to choose the right health insurance policy for maternity cover?

Do not make maternity cover the sole criteria you consider when purchasing a health insurance policy. In case your employer provided plan covers maternity expenses, claim from that policy without touching your own policy. This will also allow you to preserve the no-claim bonus.

How long does it take to get maternity insurance?

There is a waiting period of anywhere between 2 to 4 years before one is eligible to claim a maternity related claim, with some policies extending this up to 6 years, though this of course varies across insurers. Thus, it is essential to buy maternity cover as early as possible, even if you have no plans of having a baby anytime soon.