Having your maternity covered
Once you have decided to have a
baby it is advisable to realize that maternity cost can
be very high.
Most International Health insurance plans offer
pregnancy cover either as an option or built-in the
insurance plan.
Most Maternity Health Insurance plan cover Inpatient
pregnancy delivery as well as pre-delivery Outpatient
cost. There are
some major differences from one pregnancy insurance plan
to another; some insurance companies offer higher
pregnancy cover and benefits while other offer reduces
benefits. You may choose your pregnancy insurance plan
according to the cost of the medical facilities found in
your country of residence. Typically the cost of
pregnancy in USA is much higher than in most other
countries around the world. It is therefore advisable to
carefully choose your pregnancy insurance with this in
mind.
Pre-delivery test can also prove to
be expensive but most maternity plan cover Outpatient
maternity pre-delivery test., sometimes with sub-limits
or coinsurance.
If you live in an area where Outpatient cost are low you
may choose to have only your pregnancy delivery covered
by your health insurance; this will reduce your plan
premium.
Pregnancy waiting period
Usually, Health Insurance
providers have maternity waiting periods for
pregnancy coverage. Medical insurance providers
typically offer waiting period from 8 to 12 months from
enrollment on the maternity plan.
As mentioned earlier, some insurance providers have
pregnancy cover built-in their health insurance plan.
Such approach is most always preferable as when the
pregnancy waiting period is passed you are free to fall
pregnant whenever you wish. Another advantage is that if
you get pregnant by accident after the pregnancy waiting
period you will be able to use your pregnancy benefit
immediately without having to wait for the end of the
health plan waiting period.
Planning your Maternity
Before maternity, if your current plan offers no benefit
for pregnancy it is possible to switch to a plan with
maternity cover. Planning your maternity in advance will
allow you to benefit from various options.
It is not recommended to search for a maternity
insurance plan once you are already pregnant as
insurance companies will not be able to offer you a lot
of options.
Our team of highly trained advisors can assist you to
find the most suitable pregnancy
plan for your
needs; please do not hesitate to ask us for a pregnancy
healthcare quote.
International Health Cover
