For an individual medical plan almost all insurance companies will require a waiting period for maternity as they wish to avoid clients paying for one years insurance, having a baby and then not renewing their policy – it becomes a very expensive exercise.
We have a 12 month waiting period but our restriction is on paying the bills so provided the pregnancy occurs after the 4th month of the policy and lasts the normal duration we will cover the delivery provided the client has renewed the policy.
I’m sorry I couldn’t be more helpful.
