Will my workplace coverage cowl maternity prices?

My husband and I each have a 10 lakh medical cowl offered by our employers. I’m pregnant and wish to know the quantity that we will declare in the direction of our hospital bills for the supply. Can we mix the covers from each the healthcare insurance policies and get cashless amenities for each?

—Identify withheld on request

Sometimes, group medical insurance insurance policies provided by employers carry a sub-limit for maternity supply claims. There could possibly be a separate restrict for regular and cesarean supply. So, your eligibility quantity would depend upon the kind of supply and the sub-limit.

You may declare on your maternity bills from each insurance policies. The combination of the 2 limits can be the entire sum assured for you. Nonetheless, the utmost you’ll be able to declare can be the precise bills incurred by you. If the entire bills are reimbursed by one coverage, you then can’t make the identical declare with the opposite insurer.

Typically, it’s tough to make concurrent cashless claims. So, you’ll be able to avail cashless in both of the insurance policies and make a reimbursement declare with the second coverage.

In case each the insurers are on the hospital cashless panel, then select the insurer with a better restrict for cashless. As soon as you might be discharged from the hospital, you’ll be able to submit the ultimate settlement letter of the cashless declare together with all different remedy papers to the second insurer. Do submit the unique receipts of the funds made by you.

Additionally, aside from the maternity declare, it’s best to guarantee so as to add your new child child to the coverage. In contrast to particular person insurance coverage, most group insurance coverage insurance policies cowl the new child instantly after beginning, with none ready interval. It is a important cowl.

In case of any issues to the new child, the coverage covers the medical prices. The time window to enroll the new child is normally inside 30 days of beginning. Typically, new mother and father ignore this, because of maternity depart or lack of understanding. This could create points later on the time of declare, if any.

Abhishek Bondia is principal officer and managing director at SecureNow.in.

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Up to date: 03 Jul 2023, 11:02 PM IST