Maternity Insurance: Plan Early to Beat Waiting Periods & High Costs

• Maternity insurance has a 2-4 year waiting period; buying late means no coverage when needed.
• Maternity expenses are high, especially in metro cities (Rs. 80,000-1,50,000 for normal, over Rs. 2,00,000 for C-section).
• Employer-provided maternity coverage is often unreliable due to job changes, policy caps, or company exits.
• Buying early ensures lower premiums, better health profile, and comprehensive coverage for pre/post-natal care, newborns, and vaccinations.
• Early planning provides peace of mind, allowing families to focus on health decisions rather than financial stress.

Why It Matters: Maternity insurance demands early planning to navigate waiting periods and secure comprehensive financial support.