Maternity Cover in Royal Sundaram - NextGen Policy: Is It Actually Included?

Planning a family or starting IVF means you need the facts first. Here's a straight breakdown of Royal Sundaram - NextGen Policy maternity health insurance and IVF coverage, waiting periods, exclusions, and costs.

Know Your Policy

The Maternity and IVF Questions That Actually Matter

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

Is maternity covered under Royal Sundaram - NextGen Policy?
Does Royal Sundaram - NextGen Policy cover IVF treatments?
Is there a maternity health insurance plan that comes with no waiting period?
Do co-payment clauses apply to maternity or IVF?
What's actually included: labour, delivery, IVF cycles, and complications?
Which exclusions apply (pre-existing conditions, outpatient care, and the like)?
Are complications such as 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 of birth?
Can a woman already pregnant buy a maternity policy based on her trimester?
Must both spouses sit on the same health plan for pregnancy-related claims to go through?
Can maternity benefits be bolted onto an existing policy for a small extra premium each year?

How to Confirm Maternity Is Covered in Your Royal Sundaram - NextGen Policy

Brochures rarely say outright whether maternity or IVF is fully covered, and the fine print is built to confuse. Here's exactly how to read your Royal Sundaram - NextGen Policy:

Scan for terms like “Maternity Benefit”, “Family Planning”, “Assisted Reproductive Treatments”, “Fertility Expenses”, and “Pregnancy Complications”.
Pin down the waiting periods: maternity and IVF routinely carry 9-48 month waits, even when covered.
Read the exclusions closely: IVF costs, outpatient treatments, and pre-existing pregnancy are frequently left out.
Confirm whether newborn coverage only kicks in after 90 days, which is common.
Check sub-limits and co-pay clauses: delivery may be capped (say, ₹50,000) or carry a 10-20% co-pay.
Note that some plans require both spouses on the same policy before maternity benefits apply.
Watch the trimester rule: if you're already pregnant, maternity add-ons can be refused based on your current trimester.
Some pregnancy plans let you add maternity cover for a small extra premium. Confirm whether Royal Sundaram - NextGen Policy offers that.

Maternity Costs and the Financial Impact

Maternity Gets Expensive Fast - Here's What to Expect

Maternity and IVF add up quickly, and the biggest hits to your wallet usually come from:

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 hit these figures, and plan ahead for the gap.

What Actually Happens When You File a Maternity Claim

Knowing Maternity Is Covered Isn't Enough - Here's Why

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 costs came back. A sub-limit capped the other 50%.
Case 3: My policy covered the delivery but not the IVF treatment leading up to it. I had no idea IVF sat outside the standard maternity benefit.
Case 4: My newborn's vaccinations weren't 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 Royal Sundaram - NextGen Policy covers, and what it doesn't, is what keeps this from happening to you.