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Date : Dec 10, 2008

Question

I want to know in which health insurance the pregnancy hospitalisation is covered. please send me the details on my mail id.

Answer

National Insurance covers the maternity under its plan named UCO Medi + Care Bima Policy under additional cover this benefit is included, United India Assurance 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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