International Health Insurance
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Maternity Cover
The costs involved in having children overseas can be an enormous financial burden if insurance cover has not been taken out. Hospital costs together with post-natal, pre-natal, labour and delivery costs and unforeseen complications can often exceed USD 15,000. In the unfortunate event of a child being born with congenital defects the costs can far exceed this.
Many expats are unaware that having children overseas can involve astronomical costs and planning ahead is very important if devastating financial implications are to be avoided.
Whilst most international insurance plans do have a maternity option there are restrictions on the amount that can be claimed and for obvious reasons a waiting period of not less than 10 months before any claims for maternity related costs can be accepted.
Identifying the required medical facilities for delivery, post-natal and pre-natal care is an important part in planning a family whilst living abroad. A newborn child should normally be added to a plan within 4 weeks to provide continuous cover. It is usual for an additional premium to be added to cover the newborn child although some plans offer discounts for families which some expats may wish to consider.
Normally maternity cover would include costs related to:
- Pre and Post-natal treatments & examinations
- Medically prescribed Caesarian
- Normal delivery
- Delivery with complications
- Delivery following fertility treatment
- Hospital or Home delivery costs
More comprehensive maternity plans will also cover:
- Care of newborn children
- Fertility treatments
- Congenital birth defects
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Recent Questions / Comments:i would like to know about a maternity policy. |
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| Pacific Prime is able to offer a number of options with regards to Maternity health insurance. Policies which we can offer will allow you the freedom to use the hospital or doctor of your choice anywhere in the world. In addition to this, plans that we offered are internationally portable and guaranteed renewable for life.
2009-08-10 15:20:37 |
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| Category: Coverage , Maternity | Read Answer Here | |
Can I obtain international maternity insurance? |
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| Pacific Prime is able to provide you with a range of options
for quality international maternity insurance coverage. Plans which we can
offer will typically provide you with comprehensive coverage for a routine
delivery, and ensure that both you and your child are protected in the event
that there is a complication during the pregnancy. The maternity health
insurance polices we are able to provide will usually give you freedom to
choose any doctor or hospital in the world to have your child. 2009-10-22 08:41:28 |
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| Category: Coverage , Maternity , Pre-existing | Read Answer Here | |
Do you offer maternity plans without waiting periods? |
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| All the maternity plans that we can provide will have a waiting period attached to the coverage. Waiting periods will change with insurance companies and currently 10 months is the shortest that we can offer. A 10 month waiting period means that you cannot claim for any treatment received prior to having been on the plan for at least 10 months. Maternity plans will offer you a number of benefits including newborn coverage, specialist consultations, complimentary medicine, and will cover you should something happen during the pregnancy 2007-08-23 12:08:17 |
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| Category: coverage | Read Answer Here | |