Is maternity covered in group health insurance?

Maternity is usually the single most-asked-about benefit by employees — and one of the biggest differentiators between a good and a mediocre group policy. Unlike retail health insurance, group mediclaim can cover maternity, but the terms vary widely.

The three things to check

First, the waiting period — many group policies waive it entirely, but some apply 9 months. Second, the sub-limit — a common structure is Rs 50,000 for normal delivery and Rs 75,000 for C-section. Third, newborn cover — confirm the baby is added to the floater from birth, including any congenital conditions.

Benchmark before you renew

Bimaparakh reads your maternity clause and shows how it compares, so you can push for a higher sub-limit or a waived waiting period at renewal — the changes employees notice most.