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Date : Nov 22, 2008


Can u suggest such an health insurance which covers maternity benifit


National insurance covers the maternity under its plan named UCO Medi + Care Bima Policy under additional cover this benefit is included, United India insurance Co. Ltd, under a mediclaim policy, however there are not many companies available in the market that will provide such coverage, due to definite cost involved.

Apollo's easy health individual-premium offers maternity however with a waiting period of 6 years for Rs. 15000 (Normal Delivery), Rs. 25000 (Caesarean Delivery including Pre/Post Natal limit of Rs. 1500 and New Born limit of Rs. 2000) for sum insured of Rs. 3 to 5 lacs and for a Sum Insured of Rs. 7.5 Lac, the amount is Rs. 25000 (Normal Delivery), Rs. 40000 (Caesarean Delivery including Pre/Post Natal limit of Rs. 2500 and New Born limit of Rs. 3500)
Another plan which covers this is United India Insurance co. ltd - mediclaim plan offers Maternity expenses incurred in Hospital / Nursing Home as in-patient subject to limit of sum insured or Rs. 50,000/- whichever is lower on payment of extra premium and policy being extended to cover maternity benefits. This benefit is only available in group policies.

The above benefits are available under a mediclaim plan hence if one needs to avail a maternity benefit needs to buy a mediclaim plan.



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