Hi,

I had taken an insurance policy with Max Bupa with a 24 month waiting post which I would get 3 good benefits

1. Some reimbursement towards delivery expense
2. independent health insurance for the baby from the moment of birth till 1 year.
3. 1st years vaccinations

All the above would be covered from the 25th month of the policy onward. This seemed to be the best option at that time and would have really worked well for me… and I had it all planned.

However, God had other plans and I deliver in the 22nd month of the policy and am missing out on these 3 main benefits for which purpose I had taken this policy.

Please share suggestions on what I can do to have the baby insured from the moment of birth up to a year or two, just incase we need medical assistance on the day of birth and post that for a year or two.

I know I will not get any maternity benefit for the delivery, but my main concern is insuring the baby from the moment of birth till about 2/3 years of age. This is mainly in case the baby needs NICU after birth or in case there is any unexpected hospitalization in the first 2 years of life.

As a parent, I would want to be prepared financially for these unforeseen circumstances. Unfortunately my plan with Max Bupa did not go as planned, so trying to see what the best possible option could be at this point.

I deliver in December.

Please suggest.

Thanks.