raptor3624
Adept
Ok. Questions to fathers/mothers who have dealt with maternity insurance. Looking for inside info or warning info that could help me and cut short my hassles.
My company provides a family insurance of 2 lakhs with a 50k cap on Maternity. Medical insutance is provided by Bharti AXA handled by Family Health Plan Limited as TPA.
1. Should I go for Cashless transaction or Reimbursement? Some of my friends say sometimes cashless way doesn't cover all medical expenses due to some loopholes. While Reimbursement i.e pay all expenses myself and later claim it gets you mostly all the money. But Reimbursement has too much headache I feel.
2. Our case is different. There is a medical complication in the pregnancy due to which the baby is to be kept in a Neonatal(Newborn) ICU. Is the rent of the ICE etc all covered in the insurance?
I know the 2nd question can be answered by the TPA customer care themselves but I just wanna know for sure.
My company provides a family insurance of 2 lakhs with a 50k cap on Maternity. Medical insutance is provided by Bharti AXA handled by Family Health Plan Limited as TPA.
1. Should I go for Cashless transaction or Reimbursement? Some of my friends say sometimes cashless way doesn't cover all medical expenses due to some loopholes. While Reimbursement i.e pay all expenses myself and later claim it gets you mostly all the money. But Reimbursement has too much headache I feel.
2. Our case is different. There is a medical complication in the pregnancy due to which the baby is to be kept in a Neonatal(Newborn) ICU. Is the rent of the ICE etc all covered in the insurance?
I know the 2nd question can be answered by the TPA customer care themselves but I just wanna know for sure.