No Waiting Period In Maternity
  • Waiting Period in Plans
  • Types of Waiting Period
  • Reduction
No Waiting Period In Maternity
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Simran Kaur Vij
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Simran

Simran Kaur Vij

Health and Term Insurance

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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Naval Goel

Naval Goel

Insurance & Business

Naval Goel, the founder of PolicyX is a well-recognised name in the Indian insurance and finance industry. His global overview has revolutionised the way insurance is perceived and bought by commoners in India.

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Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

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Written By: Himanshu Kumar

Updated on Jan 15, 2025

Himanshu Kumar

Anchita Bhattacharyya

Term Insurance, Content Manager

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

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15 min read

Rhishabh Garg
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Rhishabh Garg
Rhishabh Garg Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
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Reviewed By: Santosh Agrawal
Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.

What Does No Waiting Period in Maternity Insurance Mean?

Maternity insurance plans with no waiting period mean that the policyholder can claim medical coverage for maternity from the date of inception of the policy without having to wait for a waiting period to get over. Where waiting period is the duration of the policy term in which the policyholder cannot claim any benefit which is related to maternity expenses, having no waiting period means that you do not have to wait to get medical assistance against your maternity-related bills. Maternity insurance coverage with waiting period is tailored specially to prevent last-minute buying of the policy, instead, it encourages the policyholder to buy the policy way in advance, which will ensure proper coverage throughout the pregnancy period.

 

Is There Any Maternity Insurance Without a Waiting Period?

Well, the answer to this question is ‘No’. At present, every maternity insurance plan has a waiting time. Maternity coverage under standard health insurance policies too, does not consist of a zero waiting period. So, if you intend to build a family soon, plan it ahead by buying a maternity plan. This will help you as well as your family to bear the heavy expenses. You will get all the benefits of the plan such as pre and postnatal care, c-section surgery, medication, doctor consultations and many more covered. And in some cases, companies also provide coverage for the newborn.

But, there might be a little relief hearing that the waiting period for maternity insurance can sometimes be reduced. Some insurance providers offer a reduced waiting period as a benefit, while others allow policyholders to choose a reduced waiting period for an additional premium. It is important to carefully review the terms and conditions of a policy before purchasing to understand the waiting period and any options for reducing it.

List of Health Insurance Plans With Minimum Waiting Period

Why Waiting Period is Necessary in Maternity Health Insurance

Out of all health insurance coverages, maternity insurance always comes with a waiting period. Following are the reasons why:

  • Risk Management So maternity insurance coverage with no waiting period will prove to be of huge loss for the insurer as policyholders will buy the policy at the time of pregnancy and file for claims in some months and then cancel the policy without continuing it for a long time.
  • Maternity is Pre-Decided Pregnancy is a big step in an individual’s life and thus, is usually pre-planned. Also, people only buy maternity plans when there is a chance that they will utilize them. So, it becomes necessary to impose a waiting period since there is a very high chance that the claim will arrive. And, if the waiting period is missing, all of the policies bought at the time of delivery will file a claim within some days.
  • Fraud Claims Will IncreaseMaternity insurance plans with no waiting period makes it really difficult for the insurer to differentiate between genuine and intentional claims.
  • Unfair Cost Distribution Maternity health insurance with no waiting period will lead to a financial burden that is unequally distributed between the customer and the insurer. Hence this will increase the premium amount for any one side, either insurer or the insured.
  • Discourages Long-Term Coverage Buying a maternity plan with no waiting period will lead to short term coverage from the policyholder’s end. People will buy a policy just before they plan a baby and get done with the policy intentionally as soon as it happens. A waiting period helps to maintain continuous and comprehensive coverage.

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No Waiting Period in Maternity Insurance : FAQ

1. Is there a maternity insurance plan with no waiting period?

No, maternity health insurance always comes with a waiting period. However, different insurers provide different waiting periods.

2. How much do I need to wait before I get coverage for maternity?

The waiting period for maternity ranges from 1 year to 3 years.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.