Can You Get Maternity Insurance If Already Pregnant? Find Out!

Can You Buy Maternity Insurance After You Get Pregnant?

Yes, you can buy maternity insurance after you get pregnant. Health insurance plans, such as Aditya Birla ActivOne Maternity and Star Women Care Insurance, offer maternity insurance to pregnant women. These pregnancy insurance plans do not require you to serve any waiting period to activate the coverage if you are already pregnant.

With these health insurance plans, you can pay your pregnancy-related medical bills, including normal or C-section delivery expenses, pre-natal expenses and post-natal expenses, without depleting your savings. They will also cover the cost of legally valid termination of pregnancy if it is required due to medical complications. However, the exact coverage may differ from one plan to another.

At present, you can buy only these two insurance plans to get maternity coverage if you are already pregnant.

However, these pregnancy insurance plans come with certain conditions. For instance, the Aditya Birla ActivOne Maternity plan is only available for a policy tenure of 3 years. On the other hand, pregnant women can purchase a Star Women Care Insurance plan only if they submit their scans between the 12th and 20th week of pregnancy.

Things to Consider When Buying Maternity Insurance for Pregnant Women

If you are pregnant, you should consider the following things while buying a maternity health insurance plan:

Delivery Expenses Limit

You must check the maximum limit set by your insurer to cover a normal and a C-section delivery. This will help you choose a plan that will most likely cover the cost of delivering your baby in your preferred hospital. Usually, the C-section delivery limit is higher than that for a normal delivery. The higher is the coverage limit, the greater will be the medical expenses covered by your insurance company.
Scope of Coverage

Before you choose a pregnancy insurance plan, you must check its inclusions carefully. This is because the maternity coverage for all plans are not the same. If you check the coverage beforehand, you will know exactly which pregnancy-related expenses your insurer will pay for and will not be surprised at the time of claim settlement.
Entry Age Limit

The maximum entry age of all maternity insurance plans is not the same. Some insurers may offer you pregnancy coverage only if you are below 45 years of age. On the other hand, they are plans that provide maternity coverage to women older than 45 years. Depending on your age, you can know which maternity plan you are eligible to buy.
Number of Pregnancies Covered

All health insurance companies limit the number of pregnancies that they cover. Most insurers will cover you for a maximum of two deliveries or termination of pregnancies. By checking the limit beforehand, you can find out if you are eligible to file a maternity claim or not.
Exclusions

All maternity insurance plans come with certain exclusions, just like regular health insurance plans. By checking the exclusions before buying, you will be aware of exactly what your insurer will not cover during your pregnancy.

Summing It Up

The answer to your question, ‘Can I get insurance after I get pregnant in India?’ is yes. A couple of pregnancy insurance plans provide maternity coverage to women who are already pregnant. However, make sure that you fulfil the pre-requisite requirements so that you can buy maternity insurance during your pregnancy.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in