How To Use Employer Health Policy For Childbirth Expenses

Group health insurance policies offered by employers come with a sub-limit for maternity delivery claims. Further, there will be separate sub-limits for normal and caesarean (C-section) deliveries. So, the amount you would be eligible as an employee for childbirth expenses would depend on the type of delivery and the sub-limit offered by the policy.

- Jash Kriplani

If both the husband and wife have separate health insurance policies from their respective employers, both can claim maternity expenses from their policies. The combined sub-limits of the two policies will become the total sum assured. The maximum claim allowed will be on the actual expenses borne by the parents. In a scenario, where the total expenses have already been claimed in one policy, separate claims cannot be made from the ot