Maternity cover -Is it covered under health insurance ?

This is the most common question we come across from customers. The answer is yes as well as no.

No, because most of the companies do not cover maternity under individual or family floater policy .
Yes, because some companies cover this but with conditions .Let us have a look at this .

Apollo Munich covers from 7 th year ,which means you should have been having the policy in existence for 6 years.
Max Bupa covers from 3rd  year.
L& T  covers from 5 th year.

Yes there are limits & sub limits, which one should keep in mind.
Is it that our insurance industry is having a short sighted approach in not covering this risk.I feel it should be covered by all insurance companies from 2 nd year .This will increase the size of the market .