Can You Get Maternity Insurance If Already Pregnant?
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 exceed the policy cover. Some group insurance firms provide maternity coverage to pregnant women like Edelweiss Complete Health Insurance, Bharti AXA Smart Super Health Insurance, Reliance, General Group Mediclaim Insurance, Universal Sompo Complete Health Insurance, Magma HDI One Health Policy.
The pregnancy plan covers all the hospitalizations charges from boarding to nursing. This plan covers all the medical charges incurred during the pre and post-delivery period. This duration is predefined by the insurer. All the costs that occurred for surgeries and pregnancy complications can be claimed. Expenditures for pre and post-natal durations are provided to the insured through this plan. The maternity insurance policy covers pre
and post-natal care, C-section operation, and also a vaccination for a newborn baby for a specified period.
Is maternity covered under health insurance?
Yes, maternity is also covered under the Health Insurance policy. It is important to discuss with our agent from before purchasing the health insurance policy to understand the waiting period in case of a maternity claim. The waiting period in case of maternity claim would range from 9 months to 2 years for different insurance companies and different health insurance plans.
What are the Documents Required for Maternity Mediclaim?
The documents needed to claim a maternity insurance policy.
- Duly filled in the claim form
- Policy documents
- Admission advice
- Discharge summary
- Fitness certificate
- KYC documents
- Consultation bill
- Original hospital bill
- Pharmacy bill
How to Claim Maternity Insurance Policy?
Many group insurance firms provide maternity coverage to pregnant women. The pregnancy plan covers all the hospitalizations charges from boarding to nursing. This plan covers all the medical charges incurred during the pre and post-delivery period. This duration is predefined by the insurer. All the costs that occurred for surgeries and pregnancy complications can be claimed. Expenditures for pre and post-natal durations are provided to the insured through this plan. The maternity insurance policy covers pre and post-natal care, C-section operation, and also a vaccination for newborn baby for a specified period.