Single Man or Woman can claim maternity benefits in Health Insurance

Can single man or woman claim maternity benefit in health insurance policy?

Maternity Health Insurance - Actually this is add on in existing policies of many companies. Like Star Health Insurance & ICICI Lombard General Insurance and many others are providing Maternity Coverage in its Star Comprehensive Product , but there are many ifs and buts 

Motherhood is probably one of the most important transitions in a woman's life. Not only is pregnancy emotionally and psychically taxing for a woman, but it can also be financially burdensome for the family. That is why it is important to be financially prepared for any exigencies that might come up during and after pregnancy. A health insurance policy with a maternity benefit cover can help.

Men and women can get a maternity benefit insurance cover. However, can you claim the maternity benefit only after getting married?

First of all understand that maternity claims can be claimed by official husband and wife only, when both are in the same policy as well both members have completed waiting period. as example, Mr X took insurance on 1st Apr 2016 and his policy has inbuilt coverage of maternity coverage. now in 2020 his wife is expecting and she entered in the policy in 2019 only. In this case, maternity claim is not payable as spouse didnt complete 3 or 4 years of waiting period.

There are few policies where only female policy holder can claim maternity claim after certain waiting period completion. 

Insurnace company has cleared things at very good levels that only offical husband and wife together in the same policy has insurable interest in the policy and Live-in partners as well fiancee is also not eligible for this. 

For more information and details of insurance with all benefits, please feel free to contact us:

Jainik P Adani

Mob : 9898058920

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Email : jainikadani@gmail.com