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Only 2 out of 10 maternity policies offer complete coverage.
Here’s how to identify them.

Being a trusted insurance advisor, we’ve reviewed 25+ Maternity Policies in last 3-years, and the truth might surprise you

Most policies look good on paper.
But they hide critical gaps in coverage.
And it could leave you with massive bills.

Here’s what to look for in a good maternity policy:

1. Pre and post-natal coverage
– Minimum 30 days before delivery
– At least 60 days after delivery
– Regular check-ups included

2. Room rent limits
– No sublimits for normal delivery
– Reasonable caps for C-section
– ICU coverage without restrictions

3. Waiting period
– Maximum 2 years
– First pregnancy coverage
– Complications covered from day 1

4. Network hospitals
– Minimum 500 hospitals
– Cashless facility
– Major cities covered

Hate to say this — But, planning for a baby and getting ready is a happy moment for a couple. Yet, few insurers poses 4-years of waiting period for this memorable event.

A mutual friend of mine, waited for 4-years for planning his 1st baby.

No idea! Why insurance companies poses such a long waiting period.
Are they waiting for the policyholder to get married and stay without a baby for next 4-year?

Coming back to the topic ⤵️

Here’s the top 2 policies that tick all these boxes:
1/ Aditya Birla ActivOne Maternity
2/ Care Supreme —Value

Red flags to watch out for:
—> Hidden co-pay clauses
—> Exclusions for first pregnancy
—> Limited network hospitals
—> High room rent restrictions

Remember: The best time to buy maternity insurance is before planning a family. Most policies have a 2-year waiting period.

Want to know which policy suits your situation best? Book a call with us mentioning your city and we’ll help you evaluate your options.

Protecting your family shouldn’t be a gamble. Choose wisely.

Share this with someone planning to start a family. It could save them lakhs in medical expenses.