Maternity cover is an add-on feature in health insurance policies. While it has become almost standard to offer maternity cover under employer health insurance policies, not all subscribe to this add-on. This might be the reason for rejection of your claim. If your employer provides maternity cover, then you should check if there is any waiting period to avail the benefit. Some policies carry a waiting period of 9 months or more to avail this benefit. The waiting period is counted from the date the employee enrols in the insurance.
