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Maternity insurance: how to claim from multiple policies
Mint Mumbai
|March 28, 2025
Can I buy additional insurance only for maternity expenses?
We are planning a family and have not conceived yet. My employer covers maternity of up to ₹50,000. My spouse's employer provides maternity coverage of ₹75,000. Our total expected maternity costs are about ₹2 lakh. What is the best way to get this coverage? Can I claim it across all three plans? I don't have any other personal plans.
—Name withheld on request
There are no insurance plans only for maternity. However, you can get maternity coverage as a part of regular health insurance policy. The waiting period for maternity coverage varies from nine months to three years. You should choose a plan that matches your time horizon. Do note that some plans with a nine-month waiting period ask for upfront payment for three years of premiums.
Cette histoire est tirée de l'édition March 28, 2025 de Mint Mumbai.
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