Q: My wife is 7 months pregnant, but she doesn't have any mediclaim / ESIC. Which policy covers the hospital and other expenses during pregnancy?

A:Maternity cover benefit is available for up to two living children. You should know that a individual mediclaim policy doesn't cover medical expenses for maternity though a group mediclaim policy may cover these on payment of extra premium which will be applicable to all group members. More so, in any type of health insurance policy available in the country, no benefits will be available in case the lady has already conceived before obtaining the cover.