Waiting Period in Maternity Health Insurance

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Waiting Period in Maternity Health Insurance

Couples nowadays tend to plan everything, whether it is buying a new house or expanding the family. This is why most married couples prefer to have maternity insurance to deal with the rising medical costs and expenses.

However, most couples who want to buy maternity health insurance don't know that it comes with a waiting period.

Here, we will try to learn what exactly maternity insurance is and how the waiting period for maternity insurance works.

What is a Maternity Insurance Plan?

Maternity health insurance is a particular type of health insurance plan that offers coverage for pregnancy-related expenses such as prenatal care, hospitalisation expenses and more. It is a good option for couples who are planning to have kids in the future.

Either they can buy a standalone or individual health insurance policy or they can go with a comprehensive health insurance plan with maternity coverage.

Understanding of Waiting Period for Maternity Insurance

There are various nuances attached to health insurance policies. One such term is the waiting period. A waiting period for maternity insurance is the lock period for which the policyholder cannot claim any insurance benefits.

The goal of waiting periods in health insurance is to ensure that the medical plan is purchased ahead of time with no knowledge of any medical illness and expenses. The waiting period for insurance can vary from policy to policy.

For maternity insurance, the waiting period can go up to several months since the pregnancy is a planned decision. It is best to seek the lowest waiting period for maternity insurance while purchasing the plan.

Types of Waiting Periods in Health Insurance

There are various types of waiting periods in health insurance, which are:

Initial Waiting Period- This is the very first type of waiting period in a health insurance plan. The initial waiting period is usually one month, for which policyholders cannot make any health insurance claim. However, policyholders are allowed to file accidental claims.

Maternity Cover Waiting period- This is a coverage period for maternity cover only. In this, individuals can file for maternity-related claims after waiting for a few months to some years. The waiting period for maternity insurance varies from insurance company to company. Tata AIG has a 4-year waiting period for the health insurance plan with maternity cover.

Pre-existing Disease Waiting Period- This is for individuals who have pre-existing medical conditions while buying the medical insurance plan. The waiting period for this can be between 2 to 4 years.

Specific Disease Waiting Period- This is the waiting period for specific medical diseases or procedures. It can be between 2 to 4 years.

Need for Buying Tata AIG's Health Insurance Plan with Maternity Cover

Motherhood is the experience of a lifetime, and women go through a lot in that phase. From emotional rollercoaster to changes in physical appearance, the process can be very overwhelming.

Not only this, but it can also put a financial burden on individuals. That's why having a medical insurance plan with maternity cover from Tata AIG is necessary.

Tata AIG is a household name that has a reputation among customers. From 30 days pre-delivery hospitalisation expenses to 60 days post-delivery expenses and more, the health insurance plan benefits curate the needs of every new mother.


The waiting period for maternity insurance is necessary since it offers peace of mind to young couples who are not yet ready but want to have kids in future. It also allows individuals to focus on other major life objectives such as buying a home, foreign trips and more.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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What is the purpose of a waiting period?

What is the purpose of a waiting period?


The aim of the waiting period in insurance such as health insurance plans is to be prepared in advance for any unforeseen medical emergencies.

Is there any medical insurance plan with zero waiting period?


Medical or health insurance plans come with a waiting period. However, the waiting period can vary from insurance companies to companies.

Can pregnancy waiting periods be waived?


The usual waiting for maternity insurance is 9 to 36 months. However, as part of a group or corporate scheme, certain insurance providers can offer no waiting period. But that generally happens in rare cases.