Now. Years before a baby, if you canGuidelineMoney stepWindow closes soon
Get health insurance with maternity cover
Buy early. Maternity cover has a waiting period.
Why It Matters (Clinical Guidance)
- Retail policies make you wait 9 months to 4 years before maternity is covered.
- Check whether a newborn is covered from day 1.
- Employer group cover often includes maternity from day 1.
Two Approved Approaches
Option A: Check employer cover
Ask HR whether spouse and maternity are included.
Option B: Buy a family floater
Compare waiting periods, not just the price.
If the window has passed: Still worth buying. The waiting period starts when you buy.
Primary Citation: IRDAI Insurance Products Regulations 2024
Last checked: October 2026 • Medical review panel forming