Is Maternity Covered Under Relaince General - Health Gain Policy?

Planning a family or starting IVF? Know what's covered first. Here's a plain breakdown of Relaince General - Health Gain Policy maternity and IVF cover, waiting periods, exclusions, and costs.

Know Your Policy

What to Know About Maternity or IVF Cover

Here are the questions people ask most about Maternity cover:

Is maternity covered under Relaince General - Health Gain Policy?
Does Relaince General - Health Gain Policy cover IVF treatments?
Is there a maternity health insurance plan with no waiting period?
Are there co-payment clauses for maternity or IVF?
What's included: labour, delivery, IVF cycles, and complications?
Are there exclusions, like pre-existing conditions or outpatient care?
Are complications like C-sections or IVF-related surgeries covered?
Are newborn vaccinations covered under your maternity policy?
Does your child get cover from day 1 or after 90 days of birth?
Can a pregnant woman buy a maternity policy based on her trimester?
Must both spouses be on the same plan for pregnancy-related claims to go through?
Can maternity benefits be added to an existing policy for a small extra premium each year?

How to Check if Maternity is Covered in Your Relaince General - Health Gain Policy

Brochures rarely spell out whether maternity or IVF is fully covered. The fine print hides it. Here's how to read your Relaince General - Health Gain Policy:

Search for terms like “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, and “Pregnancy Complications”.
Check for waiting periods. Maternity and IVF often carry 9-48 month waits, even when covered.
Look for exclusions. IVF costs, outpatient treatments, and pre-existing pregnancy are often left out.
See if newborn cover starts only after 90 days. That's common.
Check sub-limits and co-pay clauses. Delivery may be capped (say, ₹50,000) or need a 10-20% co-pay.
Note that some plans require both spouses on the same policy to unlock maternity benefits.
Watch the trimester. If you're already pregnant, maternity add-ons may be denied based on your current trimester.
Some plans let you add maternity cover for a small extra premium. Check if Relaince General - Health Gain Policy offers that.

Maternity Costs and Financial Impact

Maternity Can Be Expensive. Here's What to Expect

Maternity and IVF add up fast. The big-ticket items are:

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 hit these costs, and plan ahead.

What Happens When You Claim for Maternity?

Knowing Maternity is Covered is Not Enough

Here are real issues expectant parents and IVF patients run into:

Case 1: My maternity claim was rejected because my husband and I had not both served the full waiting period.
Case 2: IVF was covered under my policy, but only 50% of the cost was reimbursed. A sub-limit capped the other 50%.
Case 3: My policy covered the delivery but not the IVF treatment before it. I didn't know IVF sat outside the standard maternity benefit.
Case 4: My newborn's vaccinations weren't reimbursed. 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 what Relaince General - Health Gain Policy covers, and what it doesn't, keeps this from happening to you.