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2nd March 2016, 08:35 AM
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Join Date: May 2012
Re: Health Insurance for Maternity

Maternity insurance provides cover for maternity-related expenses. Maternity-related expenses are covered in the form of riders of a health insurance product. In some cases, maternity coverage comes under the ambit of OPD related expenses. In other cases, group policy in the company encompasses maternity insurance.

Companies offering Maternity Insurance under Group Policy

List of these insurance companies along with the benefits offered and their contact number:

1) Star Health Insurance: Toll free number: 1800 425 2255 / 1800 102 4477

2) Max Bupa: Also covers consulting and vaccination expenses. +91-22-3301-9520

3) Apollo DKV: Covers expenses for day care, pre and post hospitalization. +91-124-4584000 (Gurgaon)

4) ICICI Lombard: Covers OPD including pre-natal check-up. 097 20895034

5) Cholamandalam General Insurance. 022-3964-8700

6) United India Insurance: Maximum amount that can be reimbursed is INR 50,000 or the assured sum which ever is lower. Toll Free: 1-800-425-33333

Exclusions:
• Non-allopathic treatment costs
• Consultation fees
• Regular check-ups
• Medicine costs
• Congenital diseases
• Termination of pregnancy (under 12 weeks)
• Pre-existing ailments or injuries diagnosed within 48 months of the policy commencement
• Expenses related to self-inflicted injuries, drug use or alcohol
• AIDS treatment-related expenses
• Dental treatment expenses
• In-vitro fertilisation and infertility-related expenses

Coverage
Coverage offered includes mainly the following and might vary according to the insuring companies:

1) Expenses for visit to obstetrician or gynecologist

2) Pre and post hospitalization expenses which includes room rent, routine check-ups, etc.

3) Cashless claims

4) Coverage for new born baby right from the day of birth till the policy is next renewed, free vaccination

5) Tax saving benefit under income tax section 80D


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