Maternity Plan

As per current scenario the maximum generation is for youth, they are normally in the age group of 20 years to 35 years.  They normally start their carrier in the age of 22 to 25 years then they got married & plan for the family, at that when planning initiated they learn & seeing several options to how to protect their future pregnancy related expenses like duration of pregnancy related expense, delivery expense and after delivery expense etc., In the market there are several options to cover maternity expenses but have some waiting periods available according to company to company.  So, I will suggest you the some basic key words which helps you to find best maternity cover health insurance which helps you a lot for support your pocket at the time of any claim of pregnancy.

Maternity Insurance

Basic Key words to must understand when buying Maternity Plan

Waiting Period of Pregnancy / Maternity

Sub Limits of Maternity bill

New Born Baby coverage

Vaccination of New Born Baby

Health Insurance also cover other than Maternity

Room Rent / ICU / Doctor fees Limits

Co-pay / 100% Cashless

Pre-Existing Disease Waiting period

Waiting period of Pregnancy Cover / Sub Limits of Delivery Expense

Maternity Cover

First thing to must understand when you buying a Health Insurance Plan in any company then must ensure to check what is the waiting period of pregnancy cover?  You must be shocked when you get to know that mostly companies not cover any expenses related to the maternity / pregnancy.  So, the question arise how to do the exercise to find best maternity plan out of several companies?   I give you best solution to find the companies accordingly which is as follows:

The company names are as follow whose provides maternity cover with specific waiting period:-

Bajaj Allianz General Insurance Co Ltd

6 Years waiting period of pregnancy & Limitation as follows:-

3 Lakh to 7.5 Lakh policy   : Normal Delivery Rs. 15,000/-

: Cesarean Delivery Rs. 25,000/-

10 Lakh to 50 Lakh Policy  : Normal Delivery Rs. 25,000/-

: Cesarean Delivery Rs. 35,000/-

ICICI Lombard General Insurance Co Ltd

3 Years waiting period of pregnancy & limitation as follows:

3 Lakh to 5 Lakh policy   : Normal Delivery Rs. 15,000/-

                                            : Cesarean Delivery Rs. 25,000/-

7 Lakh to 10 Lakh Policy : Normal Delivery Rs. 25,000/-

                                            : Cesarean Delivery Rs. 50,000/-

Star Health & Allied Services Ltd

Comprehensive plan cover after 3 years waiting period of pregnancy & Limitation as follows:

5 Lakh policy                     : Normal Delivery Rs. 10,000/-

                                            : Cesarean Delivery Rs. 15,000/-

7.5 Lakh to 50 Lakh Policy : Normal Delivery Rs. 20,000/-

                                            : Cesarean Delivery Rs. 40,000/-

Max Bupa Health Insurance Co. Ltd

2 years waiting period of pregnancy & having sub limit of delivery expense is as follows:-

Lakh Policy Rs. 40,000/-

Lakh Policy 45,000/-

akh Policy Rs. 50000/-

Religare Health Insurance Co. Ltd

9 month waiting period of pregnancy but policy has to buy for minimum for 3 years & having capping of delivery expense also.

 3 Lakh policy- delivery expense will allow to Rs. 35,000/- & 5 Lakh Policy the delivery expense will allow to Rs. 50,000/-.

Yogendra Verma’s Special secret Policy

This is very unique policy, having business secret due to this name of the company not showing, only giving you right information of the policy which is as follows:-

Only 9 Months waiting period.

Only one restriction when you buy this policy the customer wife should not be already conceived.

Age group of 18 to 35 years the premium is very nominal just less than of Rs. 20,000/- for two adults.

No limitation in this policy of Normal delivery as well as Cesarean delivery, you may use 50,000/- to 5,00,000/- for delivery expense.

Minimum sum assured of the policy is Rs. 10,00,000/-

If you have further query in that concern, you can call me any time or watch my you tube video for complete details. Link as follow:

New Born Baby coverage

Some companies cover New Born baby but most of the companies exclude this coverage. So, must check broacher of the policy before you buy any health insurance.

Newborn Baby Coverage
Vaccination of New Born Baby

Vaccination of New Born Baby

This is also check from the respective company broacher that how amount cover for the vaccination of new born baby. Generally very notional amount is only cover like Rs. 500/- to Rs. 1,000/- at max.   So, I generally not prefer to find policy on this basis, rest up to you.

Health Insurance also cover other than Maternity

 Yes, mostly all plans who cover maternity feature they also cover all other health related issues.

Room Rent / ICU / Doctor fees Limits

This is must to understand in your policy should not have any sub limits or capping of room rent / icu / doctor fees.

Maternity Plan
Maternity Plan

Co-pay / 100% Cashless

Some policies have co-payment options please be aware that types of cheaper premium policy those looks attractive to buy but I truly advise please ignore that type of policies.

Maternity Cashless
Pre-Existing Disease

Pre-Existing Disease Waiting period

Must to check if any pre-existing disease has any one, so must be declare & check also the waiting period of that policy which should be minimize.

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