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Is Pregnancy Covered In Mediclaim India?


Pregnancy Mediclaim policy is either offered as an add-on cover in the existing health insurance plan or as an additional benefit within the existing Mediclaim policy. This plan also covers the cost incurred for surgeries and treatments related to pregnancy complications.

Can you get maternity insurance if already pregnant in India?

Most insurance companies do not provide maternity insurance if you are already pregnant. This is because they consider your pregnancy as a pre-existing condition and is beyond the policy cover.

What is covered by insurance for pregnancy?

Typically, full pregnancy cover can provide you:

  • Hospital accommodation.
  • Theatre and labour ward fees.
  • Intensive care (during and after birth)
  • Access to the special care nursery provide you are on a family or single parent cover.
  • Hospital-administered pharmaceuticals.
  • Medicare Benefit Schedule fees.
  • Hotel accommodation.

Which health plan is best for pregnancy?

There are three types of health insurance plans that provide the best affordable options for pregnancy: employer-provided coverage, ACA plans and Medicaid.

Can husband and wife both claim maternity insurance in India?

Yes, if both husband and wife are covered from their employer, they can claim from insurance provided to them by both the companies.

Can a pregnant woman get insurance?

Unfortunately, pregnancy is not one of the life events which qualify you for a special open enrollment period. However, having a baby (or adopting a child) is. So once you give birth, you can shop for insurance and enroll in a plan even if you missed the open enrollment period.


What is maternity wait period?

The waiting period ranges from 9 months to 24 months, depending upon the plan. It means you can claim the policy only once the waiting period gets over. None of the claims is admissible during the waiting period. So, if you want to plan a family next year, get pregnancy insurance in advance to reap its benefits.

Is pregnancy cover in HDFC Ergo?

HDFC ERGO offers health insurance with maternity benefits in two of its plans namely; Health Suraksha Gold & Medisure Classic. Both these plans offer ample of benefits along with maternity cover after a continuous renewal of 4 years.

When should I take pregnancy cover?

When do I need pregnancy cover? 12 months before the admission for the birth of your baby is the official waiting period. We encourage mothers to play it safe with timings. A couple of months up your sleeve to allow for an early birth could mean the difference between being able to use your hospital cover or not.

What benefits can you get while pregnant?

Federal Programs for Pregnant Women

  • Women, Infants, and Children Program.
  • Pregnancy Medicaid.
  • Temporary Assistance for Needy Families.
  • Supplemental Nutrition Assistance Program (SNAP)
  • Financial Help for Pregnant Women from Religious Charities.
  • Free Health Care Programs.
  • Childcare Subsidies and Vouchers.

Do I automatically qualify for Medicaid if Im pregnant?

If you are pregnant and have a low income or no income, you may want to apply for Medicaid as soon as possible. Medicaid covers prenatal health care throughout the pregnancy, labor, and delivery, and for an additional 60 days postpartum. Your child automatically qualifies if she or he is born while you’re on Medicaid.

Can I get free insurance if I’m pregnant?

If you’re pregnant and uninsured or have a low income, you can receive free or low-cost maternity care when you enroll in a Medi-Cal managed care plan.

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