Coverage of maternity in retail policies

Few Companies only provide coverage of Maternity in Retail Policies. Where maternity is covered. – It can have a waiting period ranging from 3 years to 9 months . Claim from Day1 is not possible. The logic is that from the Date of inception of the Policy – Maternity coverage is not possible and therefore varies from policy to policy. 9 month waiting period means – if there is a claim in this period it will not be covered. Waiting period means (3 years to 9 months) – conceiving is possible after the relevant waiting period.