TL;DR:Most Thai and international health plans impose a 10–12 month waiting period for maternity benefits; pregnancies existing before policy start are excluded and claims during the waiting period are denied.
Health insurance maternity waiting periods in Thailand are standard: most Thai and international plans require 10–12 months of continuous cover before maternity benefits (antenatal, delivery, neonatal care) are payable. Policies exclude pregnancies that began before the policy start date; claims for childbirth or pregnancy complications during the waiting period are normally declined. Some insurers offer riders or higher‑tier plans with different terms, but shorter waiting periods are uncommon. Before buying, confirm the exact waiting period, whether it applies to complications and neonatal care, and whether direct billing is available at your preferred hospital. For authoritative details, check the insurer’s policy wording and insurer FAQs (major providers such as AIA, Cigna, Krungthai/AXA typically state 10–12 months). Also verify exclusions for pre‑existing conditions and the effective date that starts the waiting period.
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