Common use of Maternity Expenses Clause in Contracts

Maternity Expenses. We will cover Maternity Expenses up to limits for Maternity Sum insured specified in the Schedule for the delivery of a child and/ or Maternity Expenses related to a Medically Necessary and lawful termination of pregnancy up to maximum 2 deliveries or terminations during the lifetime of an Insured Person between the ages of 18 years to 45 years. You understand and agree that: (a) Our maximum liability per delivery or termination is subject to the limits specified in the Schedule. (b) The Insured Person should have been continuously covered under this Policy for at least 48 months before availing this Benefit, except in case of opting for ‘Reduction in maternity waiting’ where the limit will be relaxed to 24 months of waiting. (c) The cover under this Benefit shall be restricted to two live children only. (d) The payment towards any admitted claim under this Benefit for any complication arising out of or as a consequence of maternity or child birth will be restricted to limits specified in the Schedule however any restored amount will not be available for coverage under this section. (e) Pre or post natal Maternity Expenses will be covered within the Maternity Sum Insured under this Benefit however; any Pre or Post – hospitalisation Expenses paid under Section II.2 and II.3, above will not be covered under this Benefit. (f) Maternity Sum Insured available under Maternity Expenses will be in addition to Sum Insured. (g) Applicable Deductible or Co-pay under the applicable plan shall also apply to this benefit. Any claim under this benefit shall not impact Cumulative Bonus. (h) We will not cover the following expenses under Maternity Benefit: i) Medical Expenses in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses. ii) Medical Expenses for ectopic pregnancy. However, these expenses will be covered under the In- patient Hospitalisation under Section II.1. All Claims under this benefit can be made as per the process defined under Section VII 4 & 5.

Maternity Expenses. We will cover Maternity Expenses up to limits for Maternity Sum insured specified in the Schedule for the delivery of a child and/ or Maternity Expenses related to a Medically Necessary and lawful termination of pregnancy up to maximum 2 deliveries or terminations during the lifetime of an Insured Person between the ages of 18 years to 45 years. You understand and agree that: (a) Our maximum liability per delivery or termination is subject to the limits specified in the Schedule. (b) The Insured Person should have been continuously covered under this Policy for at least 48 months before availing this Benefit, except in case of opting for ‘Reduction in maternity waiting’ where the limit will be relaxed to 24 months of waiting. (c) The cover under this Benefit shall be restricted to two live children only. (d) The payment towards any admitted claim under this Benefit for any complication arising out of or as a consequence of maternity or child birth will be restricted to limits specified in the Schedule however any restored amount will not be available for coverage under this section. (e) Pre or post natal Maternity Expenses will be covered within the Maternity Sum Insured under this Benefit however; any Pre or Post – hospitalisation Expenses paid under Section II.2 and II.3, above will not be covered under this Benefit. (f) Maternity Sum Insured available under Maternity Expenses will be in addition to Sum Insured. (g) Applicable Deductible or Co-pay under the applicable plan shall also apply to this benefit. Any claim under this benefit shall not impact Cumulative Bonus. (h) We will not cover the following expenses under Maternity Benefit: i) Medical Expenses in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses. ii) Medical Expenses for ectopic pregnancy. However, these expenses will be covered under the In- patient Hospitalisation under Section II.1. . iii) All Claims under this benefit can be made as per the process defined under Section VII 4 & 5.