Waiting Period in Maternity Health Insurance

All maternity insurance plans come with some waiting period. Check plans with low waiting periods.
3 mins
25 August 2023

Becoming a parent is an exciting and life-changing experience. The anticipation of a new arrival brings with it joy and nervousness. In addition to the emotional rollercoaster, it also brings financial responsibilities, such as prenatal and postnatal medical care, childbirth expenses, and infant care. This is where maternity health insurance comes in – to make sure you have the financial protection you need during this important stage of your life.

In this article, we will delve into the concept of maternity insurance with no waiting period. Know the eligibility criteria for maternity insurance, and ways to choose the best maternity cover.

What is maternity insurance?

Maternity insurance is a specialised type of health insurance policy that covers pregnancy-related expenses. It can cover a range of expenses including prenatal tests, doctor consultations, hospitalisation expenses, childbirth, and post-natal care. You can buy maternity insurance as a standalone policy or buy a health insurance policy with maternity cover. With the right coverage, expectant parents can have peace of mind knowing that they are covered financially at every stage of the pregnancy journey.

What is the waiting period for maternity insurance?

A waiting period is a period during which you cannot claim insurance benefits. Since maternity care requires long-term planning, several health insurance providers require you to serve a waiting period before you can claim benefits for maternity expenses. These waiting periods can vary from one policy to another, ranging from nine months to four years. So, before buying a maternity insurance policy, make sure you know the waiting period applied to your policy.

Maternity insurance plans with no waiting period

If you want to enjoy immediate coverage on your maternity health insurance policy, you need to opt for a maternity insurance plan without any waiting period. These plans come with immediate coverage for maternity expenses from the date of policy inception. No waiting period means you get coverage for consultation fees, hospitalisation expenses, and more from day one of the policy. You can also look for maternity insurance with the lowest waiting period to get coverage as soon as possible.

Types of waiting period in health insurance

When it comes to securing your health, having a comprehensive health insurance policy is crucial. One crucial aspect of most health insurance policies is the waiting period, which refers to the time period during which certain medical conditions are not covered. Here are types of waiting periods in health insurance:

  • Initial waiting period: This refers to the period starting from the commencement of the policy, during which no benefits are payable by the insurer for hospitalisation, specific illnesses, or treatments.
  • Waiting period for pre-existing diseases: Any condition, disease, or ailment diagnosed forty-eight months before buying a health insurance policy is considered as a pre-existing disease. For pre-existing medical conditions not covered from day one of the policy, the policyholder must wait for the prescribed waiting period before claiming any benefits.
  • Maternity waiting period: This waiting period applies to maternity insurance plans, and it is typically twelve months. However, some insurance providers may offer maternity insurance plans with no waiting period.
  • Waiting period for certain illnesses: Certain medical conditions, such as hernia, sinusitis, and cataract surgeries, have a waiting period of around two to three years.

Can I have maternity health Insurance with a low waiting period?

Yes, you can have a maternity health insurance policy with a low waiting period. These policies may require you to serve a waiting period of nine months up to two years depending on the policy you opt for. A policy with a lower waiting period means that you can start availing of maternity benefits sooner.

Tips to buy a maternity health insurance policy with a low waiting period

Here’s a quick guide to help you buy maternity health insurance with a low waiting period.

Evaluate your preferences and budget: Decide on the coverage amount that you require and the premium you wish to pay. 

Research: Look for insurance providers offering maternity insurance plans with low waiting periods online. Browse through different health insurance providers’ websites and check for the policy coverages, and terms and conditions.

Compare: Compare the different policies available with different providers. Look at the coverage and benefits offered by each policy and compare the premiums. You can buy separate maternity health insurance at an affordable premium or buy health insurance with maternity cover that fits your budget.

Buy online: Once you have selected the policy of your choice, you can purchase it online. Ensure you read and understand the policy terms and conditions before making the final purchase.

When to add maternity benefit cover to health insurance?

Ideally, you should add maternity benefit coverage to your health insurance plan before you plan to conceive. Most health insurance policies have a waiting period of 9 months to 4 years for maternity benefits. So, it is important to buy the policy well in advance to ensure that you have adequate coverage when you need it.

How to choose the best maternity cover

Here are the important factors to consider when choosing the best maternity health insurance coverage:

Coverage: The plan should provide coverage for expenses related to prenatal care, postnatal care, and childbirth. Most maternity insurance policies cover up to two deliveries – caesarean or normal. Some also cover a child’s medical expenses for up to 90 days and the first vaccination for up to one year as well.

Waiting period: Choose the plan with the lowest or no waiting period in health insurance. This will help you avail the benefits immediately or sooner. 

Maximum limit: Check the maximum limit of expenses for which the policy provides coverage. Choose a plan with a higher sum insured, so you stay adequately covered for any expenses that may arise.

Premium: Look for maternity insurance policies that give higher and better coverages at affordable premiums. You can compare the maternity insurance premiums online and choose the most cost-effective maternity insurance. 

Additional benefits: Check if the maternity insurance plan offers additional benefits such as ambulance charges, daycare expenses, and more.

Eligibility criteria for maternity health insurance

The following are the eligibility criteria for maternity health insurance:

Age limit: The minimum age to buy maternity insurance is 18 years.

Pre-existing medical conditions: If you have existing medical conditions, you may have to serve a longer waiting period. Many health insurers consider pregnancy as a pre-existing health condition.

Pre-conception period: Some health insurers may have the condition of offering maternity benefits or maternity insurance before pregnancy. Therefore, purchase a policy at least a few months before planning to conceive.

Health insurance partners of Bajaj Finance offer a range of health insurance plans with maternity benefits. You can look for health insurance policies with maternity cover on Bajaj Finance Insurance Mall.

Steps to buy health insurance on Bajaj Finance Insurance Mall

Follow these steps to buy health insurance through Bajaj Finance Insurance Mall.

Step 1: Click on ‘Get Quote’ to open our online application form.

Step 2: Fill in the application form with some basic details of the insured/proposer. Fill in the name, gender, mobile number, date of birth, and residential PIN code. 

Step 3: Now click on ‘Get Quote’ to proceed.

Step 4: From the list of policies shown, choose any comprehensive health insurance by clicking on ‘Buy Now’. 

Step 5: Select the policy term and premium amount.

Step 6: Enter your email ID and check if all personal details shown are correct. Click on ‘Next’ to proceed.

Step 7: Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).

Step 8: Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on ‘Next’ button to proceed.

Step 9: Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.

Step 10: Make the payment through net banking, UPI, debit, or credit card to buy the policy.

A maternity health insurance plan provides financial protection during a crucial time of your life. Whether you opt for a plan with no waiting period or a low waiting period, choose a policy with maximum coverage at an affordable premium. Evaluate your needs, do your research, and check out various insurance providers before making your final decision. With this comprehensive guide, you can make an informed decision in choosing the best maternity health insurance plan.

Frequently asked questions

How can I obtain maternity insurance without a waiting period?

In India, it's common for maternity insurance policies to have waiting periods ranging from 9 to 36 months. However, certain insurers may offer plans with reduced or no waiting periods as part of corporate or group schemes. Individual policies usually have waiting periods. Be sure to check the terms and conditions of the policy carefully before purchasing.


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