Maternity benefits FAQs
Does my policy cover maternity expenses?
To know if your policy covers maternity expenses, click on the button below to go to the policy benefits section. Maternity expenses are covered if it is mentioned under the "What's covered" section.
Is there a waiting period for maternity?
No, there is no waiting period associated with maternity claims.
Can I add a super top-up to avail maternity benefits?
No, super top-up does not cover maternity.
Is my newborn child covered from day 1?
If your policy covers your children, newborns are either covered from day 1 or day 91 depending on the insurance company. If you have further questions regarding this, please contact support using the chat option in the lower right-hand corner.
Are the NICU costs covered?
NICU coverage is dependent on the policy and the insurer. If you have further questions regarding this, please contact support using the chat option in the lower right-hand corner.
What is the limit on maternity?
To know your maternity limit, click on the button below to go to the policy benefits section. Here, under "What's covered" you should find the maternity limit.
Can the mother's policy be claimed in addition to the maternity benefit?
Costs associated with the birth of a child will be reimbursed to the limit, under maternity benefits. However, any other eligible treatment that the mother undergoes due to an ailment post-pregnancy will be covered under the mother's sum insured.
Does my policy cover pre-natal and post-natal expenses?
Yes, most policies that cover maternity cover pre and postnatal expenses. The expenses you can claim for pre and post-natal hospitalization come under the limit specified for maternity benefits.
What is the period covered for pre and postnatal expenses?
To know the prenatal and postnatal period, click on the button below to go to the policy benefits section. Here, under "What's covered" you should find the periods covered.
What is cashless pre-approval and how do I claim it?
Insurance companies have tie-ups with several hospitals all over the country as part of their network. If you take treatment in any of the network hospitals, the insurance company pays your (admissible) hospital bills to the hospital directly. You would only need to pay for the expenses not covered under the policy to the hospital.
A cashless facility is not available if you take treatment in a hospital that is not in the network. You can initiate a cashless claim by logging into Plum and choosing "I want to claim my insurance". Then, choose "Cashless Pre-Approval" and follow the procedure.
What if I can't find a network hospital nearby?
In such a case, you can claim a reimbursement post-treatment.