Is Maternity Covered Under the Relaince General - Health Infinity Policy?

Building a family or considering IVF? Know exactly what your policy pays for before you need it. This is a clear breakdown of how Relaince General - Health Infinity Policy maternity and IVF coverage typically works — waiting periods, exclusions, and real costs.

Know Your Policy

The Essentials on Maternity and IVF Coverage

Here are the questions policyholders ask most often about Maternity coverage:

Does the Relaince General - Health Infinity Policy cover maternity?
Are IVF treatments covered under the Relaince General - Health Infinity Policy?
Does any maternity health insurance plan come with zero waiting period?
Do maternity or IVF benefits carry co-payment clauses?
What exactly is included — labour, delivery, IVF cycles, and complications?
Which exclusions apply, such as pre-existing conditions or outpatient care?
Are complications like C-sections or IVF-related surgeries paid for?
Is newborn vaccination covered under the maternity benefit?
Is your child covered from day 1 or only after 90 days of birth?
Can a woman already pregnant buy a maternity policy, depending on her trimester?
Must both spouses sit on the same health plan for pregnancy-related claims to go through?
Can maternity cover be added to an existing policy for a small extra annual premium?

How to Confirm Whether Maternity Is Covered in Your Relaince General - Health Infinity Policy

Brochures rarely spell out whether maternity or IVF is fully covered, and the fine print is where the real terms hide. Here is how to read your Relaince General - Health Infinity Policy properly:

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

Maternity Costs and Their Financial Impact

Maternity Care Adds Up Fast — Here's the Picture

Routine check-ups are the easy part. The weight falls on the major maternity and IVF expenses:

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

Know how your policy's limits bear on these figures, and plan ahead accordingly.

What Actually Happens When You Claim for Maternity

Knowing Maternity Is Covered Is the Start, Not the Finish

These are real situations expectant parents and IVF patients have run into:

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 cost came back. The remaining 50% was capped by a sub-limit.
Case 3: My policy paid for the delivery but not the IVF treatment that preceded it. I hadn't realised IVF sat outside the standard maternity benefit.
Case 4: My newborn's vaccinations were refused because they fell under 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 the Relaince General - Health Infinity Policy covers — and what it doesn't — is what keeps this from happening to you.