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 retiree health insurance in Canada?
Pacific Prime works with a number of international health insurance plans which will comprehensively cover expatriates within the Philippines and Canada. Policies we work with are available from more than 60 of the world’s leading insurance companies, and will typically offer you worldwide protection; giving you the assurance that no matter where in the world you may be, your health is in safe hands. 2011-06-20 12:11:39
Category: Coverage , Maternity , Hospital , Emergency Evacuation , Individual , in-patient , out-patient	Read Answer Here
Can you provide coverage for our two employees in Shanghai?
Pacific Prime can offer comprehensive International Health Insurance Plans to individuals living in any area of the world including Shanghai, China. Shanghai health insurance plans which we can provide will offer a range of coverage options and benefits, allowing you to tailor the policy to meet your specific needs. The International Health Insurance plans from Pacific Prime are designed primarily to cover working expats and their families. Our expert advisers understand the unique and diverse needs of every customer and can find an Individual Expat Health Insurance plan that meets the policy holder's needs. 2011-01-26 11:35:50
Category: Coverage , Pre-existing , China , Hospital , Emergency Evacuation , USA , Individual , in-patient , out-patient , Group , Company	Read Answer Here