Best Maternity Health Insurance Plans in India for April 2022
Table of Contents
Which insurance is best for maternity?
Best Maternity Health Insurance Plans in India for April 2022
| Health Insurance Company | Health Insurance Plans |
|---|---|
| Aditya Birla Health Insurance | Activ Health Enhanced Plan |
| Bajaj Allianz General Insurance | Health Guard Family Floater Plan |
| Royal Sundaram General Insurance | Total Health Plus Plan |
| Care Health Insurance | Joy Plan |
Can you get insurance after being pregnant?
Unfortunately, pregnancy is not one of the life events which qualify you for a special open enrollment period. However, having a baby (or adopting a child) is. So once you give birth, you can shop for insurance and enroll in a plan even if you missed the open enrollment period.
Why is maternity not covered in insurance?
Most insurance companies do not provide maternity insurance if you are already pregnant. This is because they consider your pregnancy as a pre-existing condition and is beyond the policy cover.
What is the waiting period for maternity insurance?
There is 9-months of waiting period to avail of maternity benefits. You can avail of the benefit if you buy a 3-year plan.
Can I buy maternity insurance if I am already pregnant?
Can I get maternity insurance while pregnant?
Yes, pregnancy is considered a pre-existing condition for health insurance with maternity cover but not for regular health insurance.
When should I apply for maternity insurance?
Waiting period is the time an insured must wait for before all coverage comes into effect. For some insurance companies, waiting period for the plan can be 3-6 years after which the policyholder can claim the benefits. However, group insurance policies have a waiting period of 9 months for maternity coverage.
Why is pregnancy not covered by insurance?
Is there any maternity insurance without waiting period?
There is no maternity insurance coverage with no waiting period. Typically, the waiting period ranges from 9 months to 24 months.
When should I buy pregnancy insurance?
You should purchase your maternity insurance as early as possible, so that the plan can help to protect against any complications that might arise throughout the course of the pregnancy. The earliest you can purchase maternity insurance is typically the 13th week of your pregnancy.