Can I get Private Maternity Coverage
Dear Sir Madam/ I am trying to get private cover for maternity as would like a private room ect when having a child and being pregnant been looking everywhere on the internet can you help at all ? many thanksAnswer:
Pacific Prime is able to offer quality international health insurance plans to expatriates around the world. Plans that we provide will give you the peace-of-mind that should something untoward happen while you are overseas, you will have the protection you need. In many cases we are able to fully customize a global health insurance policy to meet your exact requirements. Coverage options which we can provide will often include benefits for Maternity treatment, emergency evacuation, specialist consultations, and even dental coverage.
The majority of plans with a maternity insurance benefit will afford you the option of birthing your child in a private room. In addition to this, we can offer international health insurance maternity plans that will typically provide you with coverage for pre and post-natal treatments, medically prescribed Caesarians, new born child coverage, and complications of delivery.
It is important to note, however, that the international maternity insurance options that we advise on will typically be attached to a waiting period. This means that you will have to have been enrolled in a plan for a predetermined length of time before becoming eligible for coverage. This means that you will be unable to claim for any maternity treatment received prior to the completion of the waiting period. With regards to a maternity benefit, the shortest waiting period available is typically 10 months from the start of the plan.
As mentioned before, many maternity health insurance plans that we offer will provide you with a New Born Coverage benefit. This type of coverage will normally be offered in one of two ways; the child can receive a “free benefit” or you may choose to have the baby “born into the plan”.
If the Free Benefit is chosen, then the insurance will provide coverage to the child after birth up to a predetermined time or financial limit (the limit will change depending on your choice of insurer and policy). Once the limit for the Free Benefit has been reached you must submit a new application to the insurance company to secure continuing coverage. A Free Benefit will not usually impact the existing policy premium.
If you elect to have your child Born Into The Plan, then they are eligible for continuing life-long coverage, no matter what the state of their health at birth. To ensure the continuing coverage you must simply notify the insurer of the birth and have the child added to the policy. It is important to note that having your child born into an existing policy can raise the overall premiums, but will give you peace of mind that no matter what the state of your child’s health at birth, they will always receive the coverage and care that they deserve.
New Born coverage is also typically attached to a waiting period. However, this is usually much shorter than the waiting period associated with the general maternity benefit. In some cases it may be possible to receive New Born Child coverage after having been enrolled in a plan for as short a time as 6 months. Depending on the length of time which you have been pregnant, it may still be possible to secure comprehensive international health insurance coverage for your child.
If you would like to know more about the expatriate medical insurance options offered by pacific prime, or if you would like to receive a free customized quote, please contact us today.
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