umesh April 1, 2013 Share this interaction Share this Facebook 0 Twitter 0 I want an CASHLESS mediclaim family floating policy with maternity / pregnancy risk covered starting within the 1st year from the date of issue including the 1st child, I don't mind even if the premium is pre-paid for 3 or 4 years in advance (It SHOULD include pre-maternity / pregnancy check ups expenses & also post maternity / pregnancy check ups expenses including the vaccination of the child.). Reply to this Response(s) MIC Staff January 28, 2016 : Answered in 2 Years 9 Months 26 Days There are no maternity plans in the industry which covers maternity in the first year or so and there is no concept of backdating health plans. You can cover the cost of your pregnancy and deliver only if it is planned ahead since the waiting period is usually 36-48 months except in group policies. The only plan with a lesser waiting period of only 12 months is Oriental Insurance Universal Health Insurance Scheme. However they provide for only Rs 2500 for normal deliveries and Rs 5000 for c-section deliveries.Since this is a very small amount for the huge maternity expenses, you need to venture out other options. There are quite a few Health Insurance Products which offer great Maternity Benefits. However,the ones you can definitely consider: 1.Star Health Wedding Gift Insurance Policy, where along with delivery, even post-delivery complications for the mother and child, pre-natal and post-natal expenses, foetus disorder tests, etc. are paid for. The waiting period for Maternity Benefit is 36 months, however it is reduced to 24 months if the policy is taken for a period of 4 years. This is a policy which is designed especially for women and a must for maternity care. 2.Max Bupa Heartbeat Insurance Plan, where 2 deliveries are covered. They also cover New Born Babies and First Year Vaccinations. The waiting period for Maternity Benefit is 24 months, i.e. if you are planning for a child after 2 years, you should purchase the health insurance plan today for you to get cover for Maternity Expenses. 3. Apollo Munich Easy Health Insurance Plan has a waiting period of 48 months. . Submit Reply to this Did you find this useful? 0 0
