Does group health insurance policy cover maternity benefits? Are there any exclusions? What is the process to get a claim? —Name withheld on request Group health insurance is used by companies to cover their employees, and family members.
Maternity is one of the common benefits offered under group health insurance. In a group health insurance policy, you can customize maternity benefits in many ways.
One, you can set a limit for maternity within the overall sum assured. This limit can be different for normal and caesarean delivery, and for metro and non-metro hospitals.
Typically, the limit is set between ₹25,000 to ₹100,000. Two, you can specify a waiting period to avail maternity. In such a case, the employee or spouse will be able to avail of the maternity benefit after the expiry of the waiting period.