Maternity insurance is vital to ensure that you, your spouse or your newborn child are completely taken care of for the duration of your pregnancy. There are a range of maternity insurance plans available to you, with varying degrees of cover. You can take control of the extent of your benefits, including how much pre- and post-natal treatment you are covered for, the quality of your delivery and treatment rooms, the hospital you wish to give birth in, the ability to select your doctor, the extent of coverage extended to your newborn once it is born and more.Read More
By working with a range of insurers, we are able to provide detailed insight and experience when choosing maternity cover. We stand by our plans and insurers and welcome any feedback. Any bad experiences with insurers relayed to us will not be ignored. Pacific Prime prides itself on being careful and concerned with the advice we provide our customers.
Maternity Insurance If You are Already Pregnant
As a gentle reminder to those looking to get pregnant or those who already are, most insurance policies will decline coverage to anyone currently or immediately about to be pregnanct. In most cases, insurers require a moratorium (a waiting period) of around 10-12 months of paid maternity coverage before they will begin covering pregnancy, birth and/or newborn coverage. Maternity coverage works this way to prevent the insurance companies from losing too much money from having to pay instant claims fees, and giving away free coverage as pregnancy care and birth costs can be quite expensive.
Maternity Cover Includes the Costs Related to:
Pre and Post-natal treatments & examinations
Medically prescribed Caesarian
Delivery with complications
Delivery following fertility treatment
Hospital or Home delivery costs
Comprehensive Maternity Plans Will Also Cover:
Care of newborn children
Congenital birth defects
Maternity policies can also include the medical treatment required for newborns if something unexpected happens.
Most insurance plans will allow you to choose your own obstetrician for your comfort and convenience. For simplicity’s sake it is worth checking to see if your insurer allows direct billing, which lets you bypass the headache of paying bills and claiming repayment from your insurer.
It is just important to understand your regular health insurance plan and get more coverage if you need to. Pacific Prime’s insurance agents are able to take your existing medical coverage and add on more through top up plans or help you change plans from insurers or even change plans within the same insurance group.