Not every policy includes maternity
Maternity cover is often an add-on or available only in specific plans. Check whether it’s included, and from when.
The waiting period
Maternity benefits normally begin after a waiting period on the policy. Because of this, couples who plan a family often consider cover well before they plan to conceive.
What to look at
- Sub-limits for normal and caesarean delivery
- Pre- and post-natal expenses
- Complications of pregnancy and how they’re treated
- Whether a newborn is covered, from which day and under what conditions
- Vaccination and baby care benefits, if any
Newborn cover
Newborn coverage varies. Some policies cover the baby from birth within the mother’s sum insured; others require adding the child within a specific period. Ask exactly how it works.
Plan the family policy around it
If you are expecting to add a child, consider whether a floater, a higher sum insured or a top-up will suit the next few years.
Frequently asked questions
When does maternity insurance start working?
Maternity benefits normally begin only after a waiting period on the policy, which varies by plan. That is why couples planning a baby should buy well in advance.
Is a newborn baby covered under the mother’s policy?
Many plans cover newborns, but start dates, conditions and any add-in requirements differ. Confirm exactly how it works before buying.
Official resources
General education only — not a recommendation of any product. Benefits, limits and exclusions vary by insurer and policy; always read the policy wording and Customer Information Sheet. Insurance is the subject matter of solicitation.
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