Under the basic cover of most insurers, maternity is excluded. However, it can be purchased as an add-on and may be subject to a waiting period, which one should go through carefully before taking up the policy.

A cashless claim allows treatment in any network hospital of the insurer without settling the hospitalization bill (upto the extent of coverage in the insurance policy). The insurance company pays the hospital, without you having to pay. But, this facility is available at a hospital which is the insurer’s cashless network, which should be checked at the time of claim.

You can claim exemption of upto Rs 25,000 for premium paid in the financial year if the policy does not include senior citizens (aged 60+). If senior citizens are covered in the policy, then exemption limit is increased to Rs 50,000