Topic: Is maternity benefit an exclusion in health insurance policy?

Any health insurance policy which covers maternity from its inception?

This message was edited 1 time. Last update was at 02/07/2009 14:07:56

Normally maternity benefit is not covered under any health insurance or mediclaim policies at present. except through Group medclaim policy.

there are new policies by some compnies like ICICI, Star health which introduce mediclaim policy with op benefits, where in you get some benefit.

Apollo dkv is giving polies some waiting period.

you have to look into the premium and decide.

Maternity benefit an exclusion in individual health insurance policy. However, in group policy maternity benefit can be added by paying additional premium. Even in group policy there can be waiting period of 9 months before a claim can be entertained. Further,even the waiting period could be reduced and day one cover can be taken by paying additional premium.

With regard to individual health insurance policy only Apollo dkv offers maternity cover in their family floater exclusive and premium plan that too with waiting period of 4 years and with limits of Rs. 15000/- for normal delivery and Rs. 40,000/- for cesarean delivery.

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