Is there any insurance policy which also covers maternity for an individual member ?
Yes, you can get an individual policy that covers maternity. It does not have to be a family plan; one person can be on the policy. However, you must understand how maternity coverage works. Only women who are planning on getting pregnant get individual maternity coverage so the expense is not spread among a large number of people, and the insurance company is not going to pay out more for your delivery than it receives in premium. Maternity coverage will have a waiting period of 9 to 21 months (depending upon the plan and your location) before coverage begins. The result is that maternity is actually a pre-paid program. You can come out ahead in almost all cases if you take the extra maternity premium and save it in the bank instead of getting the coverage. Complications of pregnancy, such as a C-section, will be covered under your individual policy whether or not you have maternity coverage.
