Looking at Maternity
We help couples understand the procedure of maternity insurance when it comes to their pregnancy, helping you evaluate the key aspects to determine the quality of your insurance.
What Does Maternity Cover Include?
Maternity cover covers the 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
Comprehensive maternity plans will also cover:
- Care of newborn children
- Fertility treatments
- Congenital birth defects
Maternity policies can also include the medical treatment required for newborns if something unexpected happens.
How We Help
Since each insurer has a different approach and procedure for providing the more predictable expenses, such as vaccinations and health checks for newborns, talk to us to find your easiest and most effective options. We'll explain how waiting times (or a waiting period) of maternity insurance will affect your policy, and go over the time that must pass before any insurer will cover pregnancy expenses.
By working with a range of insurers, we are able to provide insight and detailed experience when choosing maternity cover. We stand by our plans and insurers and are sensitive to feedback, and any bad experiences with insurers will not be ignored. Pacific Prime prides itself on being careful and concerned with the advice we provide our customers.
Points to Remember
Identifying the best medical facilities for delivery, post-natal and pre-natal care is important, especially if you live abroad.
An additional premium is usually added to cover the newborn child although some plans offer discounts for families.
Financial caps and time limits on the cover being offered can also differ from plan to plan, and it is essential that you understand these terms fully before selecting your insurance.
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 with immediate or current pregnancy. In most cases, insurers require a moratorium (a waiting period) of around 10 months or more, of paid maternity coverage before covering pregnancy, birth and/or newborn coverage. Maternity coverage works this way to prevent the insurance companies from losing too much money and giving away free coverage as pregnancy care and birth costs can be quite expensive. Also, covering any complications can also be quite difficult as well.
Maternity coverage can also be a part of your regular insurance plan. 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 coverage and add on more or help you change plans from insurer or even change plans within the same insurance group.
Now aware that some foresight is needed for maternity insurance and its coverage, there are some added bonuses with choosing Pacific Prime Insurance Brokers. As a broker, we are able to create a plan, bespoke for you and for the care you are looking to receive. We understand that during this special time it is important to have your comforts and needs met and we are able to provide you with a way to do so, by helping you choose the insurer AND plan that works best for you.
As Pacific Prime helps provide high quality health insurance, 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, allowing you to bypass a headache of bills and repayment from the insurer. Pacific Prime is available to answer these types of questions for you.
We wish to accompany you on your journey and are here to meet any of your maternity insurance needs.