{"id":13604,"date":"2024-03-22T02:00:34","date_gmt":"2024-03-21T18:00:34","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=13604"},"modified":"2024-07-25T05:15:36","modified_gmt":"2024-07-24T21:15:36","slug":"pre-existing-conditions-maternity-coverage-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html","title":{"rendered":"Pre-Existing Conditions: Maternity Coverage Options for Expats with Health Concerns"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Pre-existing conditions are medical problems that you have received medical treatment, diagnosis, or advice prior to signing up for a health insurance plan. Due to financial risk, international health insurance providers tend to shy away from covering pre-existing conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While pregnancy is not considered a pre-existing condition, allowing expat parents to seek maternity insurance, other illnesses, injuries, or ailments may or may not be covered in the health insurance policy they wish to apply for.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an expat venturing into parenthood and you\u2019re looking for <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">maternity coverage<\/span><\/a><span style=\"font-weight: 400;\"> options? Today, we will be going over pre-existing conditions in international health insurance as well as maternity coverage options available to expats.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Are Pre-Existing Conditions?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13606 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-by-the-seashore.jpg\" alt=\"Pregnant Woman By The Seashore\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-by-the-seashore.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-by-the-seashore-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-by-the-seashore-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-by-the-seashore-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-by-the-seashore-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-by-the-seashore-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Pre-existing conditions are illnesses or injuries that you had before signing up for a new health insurance plan. Note that certain health insurance providers will include symptoms in which someone would have received treatment prior to signing up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During your health insurance application, always remember to be honest and provide accurate information to avoid any potential claim rejections or policy cancellations.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expat parents will be happy to know that pregnancy is <\/span><b>not<\/b><span style=\"font-weight: 400;\"> considered a pre-existing condition, allowing them to secure maternity insurance to safeguard their pregnancy while living overseas without needing to worry if their health insurance application will get rejected or not.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-36' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_2.jpg\" alt=\"Blog Banner Maternity 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The Criteria for Pre-Existing Conditions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When applying for a health insurance plan, insurers will ask you to disclose pre-existing conditions and proceed with the underwriting process to determine the feasibility of your health insurance application, the premiums you are expected to pay, and your waiting period duration.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are possible questions insurers could ask you during your application:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have you been diagnosed with any condition before applying for the policy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have you been treated or given treatment advice before applying for the policy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have you been investigated or advised to do so before applying for the policy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have you gotten medication or been advised to do so before applying for the policy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have you been hospitalized or advised to do so before applying for the policy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have you manifested any symptoms before applying for the policy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have you developed strong anomalies such as brain tumors or cancer stages before applying for the policy?<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Why is it Difficult to Find Pre-Existing Condition Coverage?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The reason why finding pre-existing condition coverage is difficult is because international health insurance providers are leery about covering pre-existing conditions due to financial risk.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Covering more known medical conditions guarantees expenses that aren\u2019t likely to be offset by collected premiums. Health insurance applications with pre-existing conditions will be sent to underwriting for the insurance company to review the financial possibility of the coverage.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Possible Outcomes for Expat Pre-Existing Condition Coverage\u00a0<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13607 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/maternity-photo-shoot-at-sunset-milk-beach-sydney.jpg\" alt=\"Maternity Photo Shoot At Sunset, Milk Beach, Sydney\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/maternity-photo-shoot-at-sunset-milk-beach-sydney.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/maternity-photo-shoot-at-sunset-milk-beach-sydney-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/maternity-photo-shoot-at-sunset-milk-beach-sydney-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/maternity-photo-shoot-at-sunset-milk-beach-sydney-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/maternity-photo-shoot-at-sunset-milk-beach-sydney-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/maternity-photo-shoot-at-sunset-milk-beach-sydney-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Some providers may accept expats\u2019 requests for pre-existing condition coverage with some conditions of their own such as waiting period or requiring higher annual premiums from policyholders. However, some insurance providers may not be able to cover such conditions and outright turn them down.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While pregnant women can seek maternity insurance to safeguard their pregnancy as pregnancy is not considered a pre-existing condition, other illnesses or injuries they may have had prior to the pregnancy or their health insurance application may not be covered.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Decisions on potential coverage outcomes will vary depending on the insurance providers. It is advisable to work with an insurance broker so you have options from multiple providers and select policies that best match your specific healthcare needs and your budget.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are the potential outcomes for expat pre-existing condition coverage.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-37' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_3.jpg\" alt=\"Blog Banner Maternity 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Group Insurance Policy<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The best way to secure health insurance abroad despite having pre-existing conditions is through larger groups, such as an employer. Insurance providers will cover individuals affected by pre-existing conditions in large groups because there are enough people to offset coverage expenses.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Insurance Companies Excluding Pre-Existing Conditions\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">On the other hand, certain international health insurance companies may still cover expat medical fees but at the cost of excluding any pre-existing conditions. As such, the insurance companies will only cover claims that have nothing to do with said pre-existing conditions.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Waiting Period for Pre-Existing Condition Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While certain international health insurance companies will cover any pre-existing condition, you may need to pay premiums for a predetermined waiting period first. The waiting period could range from a year to two years, and the duration of the period is determined during the underwriting process.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Higher Annual Premiums<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Alternatively, international health insurance companies will cover pre-existing conditions but at the cost of paying higher annual premiums. This is due to the insurance provider coming to the conclusion that higher premiums will offset financial risks from covering the pre-existing condition.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Benefit Limits for Pre-Existing Condition Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In another scenario, international health insurance companies will cover pre-existing conditions but at the cost of limitations on coverage benefits. The decision to impose limitations on the pre-existing condition coverage will once again be made during the underwriting process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For instance, a pregnant mother may not receive benefits for a heart condition for a certain period of time after starting the policy but can still receive care for non-pre-existing conditions such as other illnesses and injuries.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-35' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_1.jpg\" alt=\"Blog Banner Maternity 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Insurance Coverage for Pre-Existing Conditions is Completely Declined<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In the worst-case scenario, international health insurance companies may completely <\/span><b>decline <\/b><span style=\"font-weight: 400;\">coverage for individuals with pre-existing conditions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fortunately, pre-existing condition coverage refusal from one international health insurance company doesn\u2019t exactly mean other companies will do the same. Some other international health insurance companies <\/span><b>may <\/b><span style=\"font-weight: 400;\">cover pre-existing conditions at the cost of either waiting periods or higher premiums.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Insurance Brokers Help You With Pre-Existing Condition Coverage<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13608 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-standing-by-a-fence.jpg\" alt=\"Pregnant Woman Standing By A Fence\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-standing-by-a-fence.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-standing-by-a-fence-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-standing-by-a-fence-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-standing-by-a-fence-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-standing-by-a-fence-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pregnant-woman-standing-by-a-fence-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Insurance brokers can help expats, who have pre-existing conditions, find the right international health insurance policy that matches <\/span><b>both <\/b><span style=\"font-weight: 400;\">their budget and healthcare needs. They can also help expats compare multiple policies from various insurance companies at <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><b>no <\/b><span style=\"font-weight: 400;\">additional cost<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The brokers partner with insurance companies to sell policies, while the companies pay them for their services. Fortunately, since brokers represent multiple health insurance companies, they can always give expats the best health insurance policy recommendations to ensure their satisfaction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance brokers can also help expats with filing insurance claims, which can really come in handy for expats affected by pre-existing conditions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Thanks to the insurance brokers representing expats seeking health insurance plans and not any insurance company directly, expats have someone they can trust when it comes to health insurance selection advice and recommendations.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What is the best health insurance option for expats with pre-existing conditions?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The best health insurance option for expats with pre-existing conditions is a large group policy from employers, as policies for larger groups are more likely to cover pre-existing conditions in comparison to individual or family health insurance plans.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is pregnancy considered a pre-existing condition?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pregnancy is <\/span><b>not <\/b><span style=\"font-weight: 400;\">considered a pre-existing condition. This means you will not be denied coverage due to your pregnancy if you were pregnant at the time of signing up for a new health insurance policy.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What is the exclusion period in pre-existing conditions?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The exclusion period in pre-existing conditions is whenever a health plan won\u2019t pay for pre-existing condition care. Under a job-based plan, the exclusion plan cannot exceed one year for a regular enrollee and cannot exceed 18 months for a late enrollee.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In conclusion, not every insurance provider will be able to cover pre-existing conditions for expats. In some instances, some providers will be able to cover pre-existing conditions but at the cost of the waiting period, higher annual premiums, or benefit limitations.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Meanwhile, in the worst-case scenario, some insurance providers may not be able to cover pre-existing conditions at all and will outright turn them down. Fortunately, some providers may still be able to cover such conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s advisable that you work with insurance brokers as they can help you find and compare insurance policies from multiple providers to ensure you get the right coverage for your pre-existing conditions that matches your comfortable budget and your specific healthcare needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a leading international insurance broker, Pacific Prime has over 20 years of experience in matching both expats and locals to health insurance plans that match both their budget and particular healthcare needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re a local citizen yourself or an <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">expat living overseas<\/span><\/a><span style=\"font-weight: 400;\">, Pacific Prime and our team of experts are more than happy to help you find the best health insurance plan to cover your pre-existing conditions effectively.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have any further questions, please don\u2019t hesitate to <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">get in touch with us<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enjoyed this article? Check out our other articles here:<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/best-insurance-plan-for-pregnancy-as-an-expat.html\"><span style=\"font-weight: 400;\">Best Insurance Plan for Pregnancy as an Expat<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/expat-newborn-care.html\"><span style=\"font-weight: 400;\">Newborn Care for Expats: Quality Coverage for Your Baby\u00a0<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pre-existing conditions are medical problems that you have received medical treatment, diagnosis, or advice prior to signing up for a health insurance plan. Due to financial risk, international health insurance providers tend to shy away from covering pre-existing conditions. While pregnancy is not considered a pre-existing condition, allowing expat parents to seek maternity insurance, other &#8230;<\/p>\n","protected":false},"author":54,"featured_media":13605,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-13604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pre-Existing Conditions: Maternity Coverage Options for Expats\u00a0<\/title>\n<meta name=\"description\" content=\"Learn more about maternity coverage options available for expats with pre-existing conditions in this article by Pacific Prime.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pre-Existing Conditions: Maternity Coverage Options for Expats\u00a0\" \/>\n<meta property=\"og:description\" content=\"Learn more about maternity coverage options available for expats with pre-existing conditions in this article by Pacific Prime.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-21T18:00:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-24T21:15:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Serena Fung\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Serena Fung\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html\"},\"author\":{\"name\":\"Serena Fung\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/28ca51ef3d01177132923253f8b13623\"},\"headline\":\"Pre-Existing Conditions: Maternity Coverage Options for Expats with Health Concerns\",\"datePublished\":\"2024-03-21T18:00:34+00:00\",\"dateModified\":\"2024-07-24T21:15:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html\"},\"wordCount\":1461,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg\",\"articleSection\":[\"Expat Insurance\",\"Health\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html\",\"name\":\"Pre-Existing Conditions: Maternity Coverage Options for Expats\u00a0\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg\",\"datePublished\":\"2024-03-21T18:00:34+00:00\",\"dateModified\":\"2024-07-24T21:15:36+00:00\",\"description\":\"Learn more about maternity coverage options available for expats with pre-existing conditions in this article by Pacific Prime.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html#primaryimage\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg\",\"width\":800,\"height\":533,\"caption\":\"Man With Pregnant Woman Holding Baby Shoes In Daylight\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-maternity-coverage-expats.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pre-Existing Conditions: Maternity Coverage Options for Expats with Health Concerns\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"name\":\"Pacific Prime's Blog\",\"description\":\"The Lighter Side Of Health Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\",\"name\":\"Pacific Prime\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"width\":3314,\"height\":999,\"caption\":\"Pacific Prime\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pacificprime\",\"https:\\\/\\\/x.com\\\/ThePacificPrime\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pacific-prime\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/28ca51ef3d01177132923253f8b13623\",\"name\":\"Serena Fung\",\"description\":\"Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog. Serena earned her Bachelor\u2019s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it\u2019s cognitive psychology!). Her previous work experience includes teaching toddlers to read, writing for a travel\\\/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/serena-fung-849902126\\\/\"],\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/author\\\/serena\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pre-Existing Conditions: Maternity Coverage Options for Expats\u00a0","description":"Learn more about maternity coverage options available for expats with pre-existing conditions in this article by Pacific Prime.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html","og_locale":"en_US","og_type":"article","og_title":"Pre-Existing Conditions: Maternity Coverage Options for Expats\u00a0","og_description":"Learn more about maternity coverage options available for expats with pre-existing conditions in this article by Pacific Prime.","og_url":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html","og_site_name":"Pacific Prime&#039;s Blog","article_publisher":"https:\/\/www.facebook.com\/pacificprime","article_published_time":"2024-03-21T18:00:34+00:00","article_modified_time":"2024-07-24T21:15:36+00:00","og_image":[{"width":800,"height":533,"url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg","type":"image\/jpeg"}],"author":"Serena Fung","twitter_misc":{"Written by":"Serena Fung","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html#article","isPartOf":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html"},"author":{"name":"Serena Fung","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/person\/28ca51ef3d01177132923253f8b13623"},"headline":"Pre-Existing Conditions: Maternity Coverage Options for Expats with Health Concerns","datePublished":"2024-03-21T18:00:34+00:00","dateModified":"2024-07-24T21:15:36+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html"},"wordCount":1461,"commentCount":0,"publisher":{"@id":"https:\/\/www.pacificprime.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg","articleSection":["Expat Insurance","Health"],"inLanguage":"en","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html","url":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html","name":"Pre-Existing Conditions: Maternity Coverage Options for Expats\u00a0","isPartOf":{"@id":"https:\/\/www.pacificprime.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html#primaryimage"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg","datePublished":"2024-03-21T18:00:34+00:00","dateModified":"2024-07-24T21:15:36+00:00","description":"Learn more about maternity coverage options available for expats with pre-existing conditions in this article by Pacific Prime.","breadcrumb":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html#primaryimage","url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg","contentUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/man-with-pregnant-woman-holding-baby-shoes-in-daylight.jpg","width":800,"height":533,"caption":"Man With Pregnant Woman Holding Baby Shoes In Daylight"},{"@type":"BreadcrumbList","@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pacificprime.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Pre-Existing Conditions: Maternity Coverage Options for Expats with Health Concerns"}]},{"@type":"WebSite","@id":"https:\/\/www.pacificprime.com\/blog\/#website","url":"https:\/\/www.pacificprime.com\/blog\/","name":"Pacific Prime's Blog","description":"The Lighter Side Of Health Insurance","publisher":{"@id":"https:\/\/www.pacificprime.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pacificprime.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.pacificprime.com\/blog\/#organization","name":"Pacific Prime","url":"https:\/\/www.pacificprime.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PP_logo-nonSlogan_blue-nonOutline.png","contentUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PP_logo-nonSlogan_blue-nonOutline.png","width":3314,"height":999,"caption":"Pacific Prime"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/pacificprime","https:\/\/x.com\/ThePacificPrime","https:\/\/www.linkedin.com\/company\/pacific-prime\/"]},{"@type":"Person","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/person\/28ca51ef3d01177132923253f8b13623","name":"Serena Fung","description":"Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog. Serena earned her Bachelor\u2019s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it\u2019s cognitive psychology!). Her previous work experience includes teaching toddlers to read, writing for a travel\/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.","sameAs":["https:\/\/www.linkedin.com\/in\/serena-fung-849902126\/"],"url":"https:\/\/www.pacificprime.com\/blog\/author\/serena"}]}},"_links":{"self":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/13604","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/users\/54"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/comments?post=13604"}],"version-history":[{"count":4,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/13604\/revisions"}],"predecessor-version":[{"id":17104,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/13604\/revisions\/17104"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/media\/13605"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/media?parent=13604"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/categories?post=13604"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/tags?post=13604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}