Can I buy an additional insurance policy only for maternity? We are planning a family and have not conceived yet. My employer covers maternity up to ₹50,000. My spouse’s employer also provides maternity coverage up to ₹75,000. Our total expected maternity costs are about ₹2 lakh. What is the best way to get this coverage? Can I claim it across all three plans? I don’t have any other personal plan.
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