Maternity Benefit. We will indemnify the Maternity Expenses incurred during the Policy Period provided that:
a. This benefit is available only if:
i. The female Insured Person of Age 18 years or above is covered under a Family First Policy; or
ii. Both the Insured Person and his / her legally married spouse are covered under a Family Floater Policy.
b. This Benefit cannot be availed under an Individual Policy.
c. The female Insured Person in respect of whom a claim for Maternity Benefits is made must have been covered as an Insured Person for a period of 24 months of continuous coverage since the inception of the First Policy, with maternity as a benefit, with Us.
d. For the purposes of this benefit, We shall consider any eligibility period for maternity benefits served by the Insured Person under any previous policy with Us.
e. The Maternity Expenses incurred are Reasonable and Customary Charges.
f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice during the lifetime of the Policy including any Renewal thereafter for the delivery of a child or Medically Necessary and lawful termination of pregnancy up to maximum 2 pregnancies or terminations.
g. Any treatment related to the complication of pregnancy or termination will be treated within the maternity sub limits.
h. On Renewal, if an enhanced Sum Insured is applied, 24 months of continuous coverage (as per Section 2.7 c.) would apply afresh to the extent of the increased benefit amount. We shall not be liable to make any payment in respect of the following:
a. Expenses incurred in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses;
b. Medical Expenses for ectopic pregnancy will be covered under the Section 2.1 (Inpatient Care) and shall not fall under the Maternity Benefit.
c. Sections 2.2 (Pre-hospitalization Medical Expenses) and Section 2.3 (Post- hospitalization Medical Expenses) are not payable under this benefit.
d. Any Maternity Expenses or complications arising from or relating to pregnancy, complication of pregnancy or termination of pregnancy within 24 months from the inception of the First Policy with Us.
e. Pre-natal and post-natal Medical Expenses are not payable under this benefit.
Maternity Benefit.
(A) An employee who has been granted maternity leave without pay shall be paid a maternity benefit in accordance with the terms of the Supplemental Unemployment Benefit (SUB) Plan described in sub-clause 28.04 (C), provided that she:
(1) has completed six (6) months of continuous employment before the commencement of her maternity leave without pay;
(2) provides the Employer with proof that she has applied for and is in receipt of maternity benefits under the Employment Insurance or the Quebec Parental Insurance Plan in respect of insurable employment with the Employer; and
(3) has signed an agreement with the Employer stating that:
(a) she will return to work on the expiry date of her maternity leave without pay unless the return to work date is modified by the approval of another form of leave;
(b) following her return to work, as described in clause (a), she will work for a period equal to the period she was in receipt of the maternity benefit;
(c) should she fail to return to work in accordance with clause (a), or should she return to work but fail to work for the total period specified in clause (b), for reasons other than death, lay-off, early termination due to lack of work or discontinuance of a function of a specified period of employment that would have been sufficient to meet the obligations specified in clause (b), or having become disabled as defined in the Public Service Superannuation Act, she will be indebted to the Employer for an amount determined as follows; (allowance received) X (remaining period to be worked following her return to work) [total period to be worked as specified in (b)] however, an employee whose specified period of employment expired and who is rehired by the House of Commons within a period of ninety (90) days or less is not indebted for the amount if her new period of employment is sufficient to meet the obligations specified in paragraph (b).
(B) For the purpose of sub-clauses 28.04 (A) (3) (b), and (c) periods of leave with pay shall count as time worked. Periods of leave without pay during the employee’s return to work will not be counted as time worked but shall interrupt the period referred to in clause (A) (3) (b), without activating the recovery provisions described in clause (A) (3) (c).
(C) Maternity benefits paid under the SUB Plan will consist of the following:
(1) (a) where an employee is subject to a waiting period before receiving Employment Insurance maternity benefits, ninety-three per cent (93%) of...
Maternity Benefit. Charges incurred as a result of a normal pregnancy or any complications thereof will be paid on the same basis as any other illness under this Policy. This benefit is available for the Insured, a female spouse or eligible female dependent. Prenatal care will be paid the same as an office visit. Postnatal care for the insured, spouse or eligible female dependent and the eligible newborn child will be covered. In compliance with Act; 248 of August 15, 1999. Post-partum care in a hospital facility will be provided for a mother and a newborn child, subject to the following minimum limits: - Normal delivery - 48 hours - Cesarean delivery - 96 hours For the purposes of Maternity Benefit, an assistant provider is: - a pediatrician or any other physician who provides medical attention to a newborn child; - an obstetrician, gynecologist or nurse who provides medical attention to the mother. Any decision to shorten the minimum hospital stay must be determined by the assistant provider in agreement with the patient. If a mother and newborn child are released from the hospital in less than the minimum hospital stay provided for above, but in agreement with the assistant providers' guidelines, coverage will be provided for a follow-up visit during the next 48 hours following the discharge. A newborn child is insured from birth for injury, including accidents or illness. The following benefits are considered to be eligible charges for a newborn child and will be paid on the same basis as any other illness under this Policy: - routine nursery charges in the Hospital; - Physician care in the Hospital; - circumcision - auditory brainstem response and otoacoustic emissions testing; This benefit covers the services per office visit, with no limits on the number of visits, including consultation. The co-payment is waived for in-Hospital services. Medical care benefits covered by this policy will be paid according to the rates negotiated by MAPFRE Life with participating providers. MAPFRE Life will not pay for any charges which:
Maternity Benefit. An employee eligible for maternity leave under the Canada Labour Code and who qualifies for Employment Insurance Benefits shall receive payment as follows: of base salary during the two week waiting period; top-up of benefits to of base salary during the fifteen (15) week maternity leave portion of the leave.
Maternity Benefit. We will indemnify the Medical Expenses incurred up to the Maternity Benefit Sum Insured specified in the Policy Schedule for the delivery of the Insured Person’s child (including cesarean section) or the Medically Necessary and lawful medical termination of pregnancy during the Policy Period provided that:
(a) The treatment is taken as an In-patient in a Hospital;
(b) The cover shall be available to the Insured Person who has been continuously covered for at least 36 months under this Benefit subject to the Portability & Continuity Benefits as applicable. Further,
(a) We shall not be liable to pay for more than 2 events of deliveries across all Policy Periods with Us;
(b) We will cover pre-natal and post-natal expenses up to the amount specified in the Policy Schedule for this Benefit provided that We have accepted a Claim for delivery/termination under this Benefit;
(c) Ectopic pregnancy shall not be covered under this Benefit , but any Claims will be considered under In-patient Treatment;
(c) This benefit is applicable on an individual basis irrespective of type of policy (Individual/ Floater).
(d) The payment under this benefit is over and above the Base Sum Insured. Permanent Exclusion 3.5(13) of the Policy Wordings stands deleted to the extent of this Benefit only.
Maternity Benefit. We will indemnify the Medical Expenses incurred up to the Maternity Benefit Sum Insured specified in the Policy Schedule/ Certificate of Insurance for the delivery of the Insured Person's child (including caesarean section) during Hospitalisation or the Medically Necessary and lawful medical termination of pregnancy during the Policy Period provided that:
(a) We will pay Medical Expenses in respect of the delivery of the Insured Person and/or any Surgical Procedures required to be carried out on the Insured Person as a direct result of the delivery
(b) A 9 month waiting period shall apply
(c) Medical Expenses incurred in connection with the medical termination of pregnancy within the first 12 weeks from conception are not covered unless certified to be necessary by the attending Medical Practitioner in order to maintain the life or relieve immediate pain or distress to the Insured Person
(d) Pre- & Post-hospitalisation expenses are not covered under this benefit.
(e) Ectopic pregnancy shall not be covered under this Extension, but any Claims will be considered under In-patient Treatment The payment under this benefit is within the Basic Sum Insured, subject to limits specified, if any. Permanent Exclusion 5(m) of the Policy Wordings stands deleted to the extent of this Benefit only.
Maternity Benefit. Investigation into infertility This benefit pays for investigation and treatment of the cause of infertility. No benefit 20% co-insurance
Maternity Benefit. We will cover Medical Expenses incurred in respect of a female Insured Person during the Policy Period between the Age 18 years to 45 years for the delivery of a child in a Hospital (including but not limited to caesarean section, vacuum birthing, water birthing, hypno birthing, midwife birthing) or for medically required and lawful medical termination of pregnancy. Ectopic pregnancy shall not be covered under this Benefit, but any claims will be considered under In- patient Hospitalization under Section 1.1. This Benefit will be available subject to the following:
(i) Up to the limits as specified in the Policy Schedule or Certificate of Insurance;
(ii) After the time period as specified in the Policy Schedule or Certificate of Insurance from the Start Date;
(iii) Up to a maximum number of deliveries/ terminations as specified in the Policy Schedule or Certificate of Insurance, however not exceeding 2 deliveries (including twins), or 2 medically required and lawful terminations of pregnancies, or 1 delivery (including twins) and 1 medically required and lawful termination of pregnancy during the lifetime of the female Insured Person;
(iv) Pre or post-natal Maternity Expenses shall be covered within the Maternity Sum Insured if opted for and specified in the Policy Schedule or Certificate of Insurance.
Maternity Benefit. We will pay the Daily Cash Amount, specified in the Policy Schedule/ Certificate of Insurance under the Maternity Benefit for the delivery of the Insured Person's child (including cesarean section) or for the Medically necessary and lawful termination of pregnancy for each and every completed day of the Insured Person's Hospitalisation during this Policy Period subject to the following:
(a) The treatment is taken as an In-patient in a Hospital
(b) A waiting period as mentioned in the Policy Schedule is applicable
(c) This benefit is applicable on an individual basis irrespective of | type of policy (Individual/ Floater). Permanent Exclusion 4.5(m) of the Policy Wordings stands deleted to the extent of this Benefit only.
Maternity Benefit. Woman employees are entitled to maternity leave of twenty six (26) consecutive weeks for delivery (birth) of a child, and not more than 8 weeks of such maternity leave shall be availed for, before the date of expected delivery. This leave will be with normal pay. Any maternity leave taken in excess of above limits will be without pay.
