Maternity Under Go Digit - Inifnity Wallet Policy: Is It Actually Covered?

Starting a family or considering IVF? Know exactly what your plan pays for before you commit. Here's a clear breakdown of maternity and IVF coverage under Go Digit - Inifnity Wallet Policy — the waiting periods, exclusions, and real costs that decide your claim.

Know Your Policy

The Key Questions on Maternity and IVF Coverage

These are the questions people ask most often about Maternity coverage:

Does Go Digit - Inifnity Wallet Policy cover maternity?
Does Go Digit - Inifnity Wallet Policy pay for IVF treatment?
Is there any maternity health insurance plan that starts with no waiting period?
Do maternity or IVF benefits carry a co-payment clause?
What exactly is included: labour, delivery, IVF cycles, and complications?
Which exclusions apply, such as pre-existing conditions or outpatient care?
Are procedures like C-sections or IVF-related surgeries covered?
Does the policy reimburse newborn vaccinations?
Is your child covered from day 1, or only after 90 days from birth?
Can a woman already pregnant buy a maternity policy based on her trimester?
Must both spouses sit on the same health plan for a pregnancy-related claim to go through?
Can maternity benefits be bolted onto an existing policy for a small extra premium each year?

How to confirm whether Maternity is covered in your Go Digit - Inifnity Wallet Policy

Brochures rarely state plainly whether maternity or IVF is fully covered, and the detail hides in the fine print. Here's how to read your Go Digit - Inifnity Wallet Policy correctly:

Look for these terms: “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, “Pregnancy Complications”.
Identify the waiting period: maternity and IVF commonly carry 9-48 month waits, even when the benefit exists.
Pin down the exclusions: IVF costs, outpatient treatments, and pre-existing pregnancy are frequently left out.
Confirm when newborn cover starts — beginning only after 90 days is common.
Read the sub-limits and co-pay terms: delivery may be capped (for example ₹50,000) or carry a 10-20% co-pay.
Note whether both spouses must sit on the same policy to unlock maternity benefits.
Account for trimester: if you are already pregnant, a maternity add-on can be refused based on your current trimester.
Some pregnancy plans let you add maternity cover for a small extra premium. Check whether Go Digit - Inifnity Wallet Policy offers that option.

Maternity costs and financial impact

Maternity Carries Real Costs — Here's What Drives Them

Routine check-ups and tests are manageable; the figures that strain a budget come from the big-ticket items:

IVF costs: ₹40,000 - ₹2,00,000 per cycle
Maternity hospitalization: ₹30,000 - ₹50,000 for delivery
C-sections or complications: ₹60,000 - ₹1,50,000
ICU costs for maternity complications: ₹18,000–₹30,000 per day

See how your policy's limits sit against these numbers, and plan ahead.

What Actually Happens When You Claim for Maternity?

Knowing Your Maternity Cover Is the Start, Not the Finish

These are real situations expectant parents and IVF patients have faced:

Case 1: My maternity claim was rejected because my husband and I had not both completed the full waiting period.
Case 2: IVF was covered under my policy, but only 50% of the costs came back to me. The other 50% was capped by a sub-limit.
Case 3: My policy paid for delivery but not the IVF treatment that led up to it. I had no idea IVF sat outside the standard maternity benefit.
Case 4: My newborn's vaccinations were not reimbursed because they were treated as outpatient care.
Case 5: My wife was already 6 months pregnant, and no insurer would issue a maternity policy at that trimester.

Knowing precisely what Go Digit - Inifnity Wallet Policy covers — and what it does not — is what keeps this from happening to you.