Ask for the waiting period for maternity benefits, no-claim bonus and sub-limits in the plan. Maternity waiting period could be between nine months and four years. Prefer plans with up to two years of waiting period on pre-existing diseases, no co-pay and no sub-limits. Some insurers now allow you to raise claims using scanned copies of documents. The insurer may require you to submit these documents using their mobile app or a specific portal.

Source: Mint July 08, 2021 20:02 UTC