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 health insurance expatriate 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 health insurance expatriate 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

Do you offer group health insurance coverage in Nigeria?
Pacific Prime can offer comprehensive group health insurance options to companies and groups located in Nigeria. Plans which we work with are globally portable, and will normally allow you the freedom of choice to seek medical treatment with any doctor or hospital in the world. 2011-06-27 15:16:33
Category: Coverage , Maternity , Pre-existing , Emergency Evacuation , in-patient , out-patient , Group , Company	Read Answer Here
How do medical tourists cover the costs for surgery and travel?
Pacific Prime offers health insurance plans to individuals living overseas in any region of the world. An International Health Insurance plan, which Pacific Prime would recommend, will typically afford you with worldwide coverage. This will allow you to travel to any country in the world to receive medical treatment such as Singapore, Hong Kong, Thailand or India. Policy holders can be reassured that their health care plan will entitle them to treatment that is of high standard and accredited internationally. Medical Tourism in Singapore Medical Tourism is an industry that is established in the Asian region of the world. With healthcare costs on the rise, particularly in countries such as US and UK, patients are flying to areas of the world where treatment can be received at a relatively lower price. Around US$4.53 billion is spent every year collectively by medical tourists within Asia, particularly in Singapore, India, and Thailand. Standards of health care in Singapore are high and considered to be on par with western medicine standards. Private hospitals, that are designed with foreign patients in mind, offer modern medical facilities and highly trained healthcare staff with proficiency in English. 2011-02-28 16:35:24
Category: Coverage , Pre-existing , China , Hospital , Emergency Evacuation , USA , Individual , in-patient , out-patient	Read Answer Here