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Is there any Maternity Health Insurance without any Waiting Period?

While you are busy being part of the most beautiful process- the creation of life, we are here to take care of the complex part – the expenses. 

Maternity Benefit covers the medical expenses related to pregnancy, childbirth, hospitalization, pre- and post-natal care and other related costs as specified in your policy. It comes either as an added benefit in your health insurance policy or can be purchased as an add-on/ rider benefit. 

However, all maternity benefit cover come with an initial waiting period during which no coverage is provided for Maternity related expenses. This waiting period usually ranges from 9 months to 6 years, only after the completion of which any claims can be raised. 

Is there any Health Insurance with Maternity Benefit without any Waiting Period?

Considering the skyrocketing costs of medical facilities and the innumerable responsibilities that come with new parenthood, it is indispensable to purchase Maternity Benefit to ensure a safe and smooth childbirth experience. 

Unfortunately, there is no Maternity Benefit Cover with Zero or No waiting period. 

The length of this waiting period, however, might vary from 9 months to 6 years across insurance providers. 

The only instance of a zero-waiting period in Maternity Benefit is the Group Insurance Policy provided by companies to their employees, wherein the waiting period is waived off in some cases, and the insured is covered for Maternity from the start. However, this is very subjective and depends on a case-to-case basis. Also, the Group Medical Plans come with their own set of limitations and hence its always wise to invest in an extra medical coverage. 

There is also an option to partially cut down the waiting period by paying a higher premium. However, even in such a case, you cannot nullify the waiting period in Maternity Benefit. 

Hence, it's always a wise decision to plan ahead and purchase a Maternity Benefit and child cover much prior to the time when you might need it. 

Digit’s Maternity Benefit Cover comes with 24 months waiting period for individual health insurance and 9 months waiting period for Group Medical Coverage, which can be waived off depending on several factors. 

When to Buy a Health Insurance with Maternity Benefit Cover

Now that we know about the inevitable inclusion of a waiting period in Maternity Benefit Cover, the importance of planning ahead becomes all the more evident. The basic premise behind deciding “When is the right time to buy Health Insurance with Maternity Benefit Cover”, is the fact that you should have enough time to complete the waiting period before you can use the maternity benefits. 

Maternity Benefit Cover is, no doubt, a critical aspect of a planned pregnancy. It is, in fact, crucial if you want to save your pocket from being hit and enjoy the complete happiness of welcoming the new member in the family. 

Why you Should Plan Ahead for Health Insurance with Maternity Benefit Cover

Here are the top reasons why you should plan ahead for Health Insurance with Maternity Benefit Cover:

✔️ Maternity Benefit Cover comes with a waiting period of 9 months to 6 years
✔️ A pregnant individual cannot purchase Maternity Benefit Cover. There is no benefit even if purchased in advance but within the waiting period tenure. Hence, it should be taken much prior, to cover the waiting period
✔️ The average cost to deliver a baby in most urban cities is at least Rs 50,000 to Rs 70,000. It becomes a costly affair without Maternity Benefit Cover, and why incur the expense when there is an option of coverage available? Just plan it timely.
✔️ Most couples in India are apprehensive about parenthood due to the financial responsibilities that come with it. Leave the apprehensions behind and just plan the Maternity and Child Benefit Cover in time to cover your expenses for the same.

Who Should Buy Health Insurance with Maternity Benefit Cover

In general, any individual or couple that wishes to embrace parenthood should consider buying maternity and child benefit coverage, the critical keyword here being “timely”. Depending on various factors, maternity benefit cover should be purchased by:

✔️ Couples who plan to go on their family way in a two years’ time (or sooner if your policy provides so).
✔️ Couples who have a child and plan to have another in a few years’ time.
✔️ Couples who plan to get married soon and embrace parenthood soon after. In such a case, at least one of the partners should consider buying maternity benefit cover pretty much in advance. 

FAQs (Frequently Asked Questions About Waiting Period in Maternity Benefit Cover)