Traditionally Maternity / Pregnancy related expenses have not been allowed as expenses covered under Health Insurance plans and still feature as exclusions in most products. However, there are a few products that do cover maternity expenses subject to certain terms and conditions. These terms generally have a waiting period of anywhere between 4-6 years before maternity expenses being available under the insurance cover. This means that the maternity cover would only be available if you’ve had renewed your health insurance policy for the specified number of years stipulated as the waiting period. There is usually also a limit on the amount payable as claims under both normal and caesarean deliveries under these products.