Maternity

Maternity coverage is typically a standard option on many expatriate medical insurance plans. The cost of having children in the modern world is considerable; add to this the proposition of having children overseas and the costs of pre and postnatal care increase further.

Before making any maternity coverage related claims to your international health insurance plan, the policyholder must wait for a minimum of at least 10 months. The waiting period for a maternity benefit may vary among insurers; however, there will always be a delay in coverage.

The decision to choose a semi-private or private room for the delivery will also affect the costs involved, as private rooms in the best hospitals are costly. In the unfortunate event of any complications or if the child is born with any congenital birth defects, the costs may become even more burdensome.

Two valuable options associated with Maternity coverage are ‘Born into the Plan” and ‘Free Benefit'. With a ‘Born into the Plan' benefit, a child born to an insured mother will receive the same insurance coverage provided to the mother. Regardless of the child's state of health at birth, they are guaranteed coverage for their entire life. The ‘Free Benefit' option covers the new born child for up to 30 days or until a prearranged benefit limit. After which, you may apply for continuing coverage. A ‘Free Benefit' will not increase your plans premium.

Maternity coverage will usually provide for the following:

• Pre and postnatal treatment
• Normal delivery
• Complicated delivery
• Medically prescribed Caesarean
• Home delivery
• Home nursing in conjunction with home delivery