Insurers cover maternity costs after a stated waiting period, which might differ for different insurers
08-Sep-2014 •Research Desk
Kindly clarify about the coverage under maternity benefit plans and whether the reimbursement of expenses happens after 2 or 3 years? Also, what policy would you suggest for this need?
- Anonymous
Insurers cover maternity costs after a stated waiting period. Waiting period is the time period starting from purchase date of the policy, after which the specific condition begins to be covered under the policy. Different insurers might have different waiting period for maternity cover. If you search for such policies, you will find various individual and family floater policies. We are unable to recommend a specific policy for you due to lack of information on your other requirements. Given below are the good policies along with their waiting periods and the extent of maternity cover. Go through these policies and their coverage on websites of respective companies. You can also refer to our website under the 'Insurance' head and select a plan depending on your requirements. Do not forget to check policy exclusions.
| Plans | Waiting Period for maternity cover (in years) | Maternity Cover | |
| Apollo Munich Easy Health Premium- Family Floater | 4 | For 4 &5 lakh cover: Normal Delivery Rs 15000 Caesarean Delivery Rs 25000 (Sums are including pre/post natal limit of Rs 1500 and new born limit of Rs 2000) | For 7 & 10 lakh cover: Normal Delivery Rs 25000 Caesarean Delivery Rs 40000 (Sums are including pre/post natal limit of Rs 2500 and new born limit of Rs 3500) |
| Apollo Munich Easy Health Exclusive- Family Floater | 4 | For cover up to 5 lakh: Normal Delivery Rs 15000 Caesarean Delivery Rs 25000 (Sums are including pre/post natal limit of Rs 1500 and new born limit of Rs 2000) | For 7.5 lakh cover: Normal Delivery Rs 25000 Caesarean Delivery Rs 40000 (Sums are including pre/post natal limit of Rs 2500 and new born limit of Rs 3500) |
| Apollo Munich Easy Health Premium- Individual | 6 | For 4 &5 lakh cover: Normal Delivery Rs 15000 Caesarean Delivery Rs 25000 (Sums are including pre/post natal limit of Rs 1500 and new born limit of Rs 2000) | For 7 & 10 lakh cover: Normal Delivery Rs 25000 Caesarean Delivery Rs 40000 (Sums are including pre/post natal limit of Rs 2500 and new born limit of Rs 3500) |
| Apollo Munich Easy Health Exclusive- Individual | 6 | For cover up to 5 lakh: Normal Delivery Rs 15000 Caesarean Delivery Rs 25000 (Sums are including pre/post natal limit of Rs 1500 and new born limit of Rs 2000) | For 7.5 lakh cover: Normal Delivery Rs 25000 Caesarean Delivery Rs 40000 (Sums are including pre/post natal limit of Rs 2500 and new born limit of Rs 3500) |
| Apollo Munich Maxima Health | 6 | Normal Delivery- Rs 15,000; Caesarean Delivery- Rs 25, 000 (Including Pre/Post Natal limit of Rs 1,500 and infant baby limit of Rs 2,000) | |
| Chola MS Individual Healthline- Superior | 5 | Rs. 15,000 for normal & Rs 25,000 for caesarean | |
| Chola MS Individual Healthline- Advanced | 5 | Rs. 25,000 for normal & Rs 40,000 for caesarean | |
| Chola MS Family Healthline- Superior | 5 | Rs 15000 for normal delivery and Rs 25000 for caesarean | |
| Chola MS Family Healthline- Advanced | 5 | Rs 25000 for normal delivery and Rs 40000 for caesarean | |
| Star Wedding Gift Insurance | 3 or 2 in case of 4 year poilicy term | (3 lac)Rs 15000 for normal delivery and Rs 20000 for caesarean delivery ;one delivery only | (5 lac)Rs 20000 for normal delivery and Rs 25000 for caesarean delivery ;one delivery only |
| Pre Natal: Rs 1500; Post Natal: Rs 2000 | Pre Natal: Rs 2000; Post Natal: Rs 4000 | ||
| Royal Sundaram Master Product- Total Health Plus- Gold Plus | 3 | pays 10% of sum insured upto Rs 30000. | |
| Royal Sundaram Master Product- Total Health Plus- Platinum Plus | 3 | pays 10% of sum insured upto Rs 50000 |
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