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Can you offer maternity health insurance in Latin America

Can you offer maternity health insurance in Latin America

Question: 
I would like to enquire into purchasing an insurance policy for myself (33) and my partner (30). I am a Spanish citizen but living mostly in Latin America. My partner is an American citizen. We are specially interested in the maternity cover aspect of the policy as we are hoping to start a family in the very near future. i look forward to your suggestions and quotes.

Answer: 
An international health insurance plan is recommended for those living away from their home country. International health insurance plans, which Pacific Prime can provide, will typically afford you with access to medical treatment in the country you are living in and any other country worldwide, including your home country.


Pacific Prime can offer a wide range of international health insurance plans and maternity care plans, some which are specially designed for those residing in the Latin America region. A typical health insurance plan will include coverage of hospital expenses, with the option to add on extra benefits such as maternity cover, outpatient cover or dental cover. Depending on your healthcare needs, Pacific Prime can work with you to find the right health insurance plan, whether you are looking for high levels of medical cover or more affordable health insurance options.


Those who are planning a family should purchase a health insurance plan that includes coverage for maternity treatment. Maternity plans will normally be attached to a waiting period. A waiting period is the length of time you must have been enrolled on a plan before being able to claim for a specific coverage benefit. In the case of Maternity coverage, the waiting period is typically around 10 months from the start of the plan, although this period can differ from insurer to insurer. As such, it is important that you obtain coverage sooner rather than later to ensure you have access to the best maternity treatment available worldwide.


Maternity cover will typically afford you coverage to various treatments, such as:

Prenatal and postnatal care

Delivery in a private or semi private room

Complications during pregnancy

Prescribed Cesarian Section

Home birth including Midwife


Another important consideration is ensuring that your newborn child is protected under your health insurance plan; this is often achieved through a New Born Child Benefit. While this benefit will also typically be attached to a waiting period it is often much shorter than that associated with a Maternity Benefit; a New Born Child coverage benefit will usually have a waiting period in the range of 6 months from the start of the plan. Parents are normally offered two options for covering their infant under an existing international health insurance plan; a 'free benefit' or having the child 'born into the plan'. A 'free benefit' will provide immediate cover of the newborn child for a fixed period, which is typically three months. A child 'born onto the plan' will also receive immediate cover, but with no fixed period applied; this option will ultimately increase the insurance premium.


There are some regions in Latin America where complex medical treatments are not available. If you fall seriously ill or experience complications during pregnancy or the birth or your child, you may require emergency evacuation to transport you to a hospital that can offer you a high level of medical care. As such, it is highly important to obtain a health insurance plan that includes worldwide cover and emergency evacuation and repatriation, to ensure you and your family have immediate access to quality medical care anywhere in the world.


If you would like more information on the Latin America Health Insurance plans that Pacific Prime can provide, or to receive a free global health insurance quote, please contact us today.


     
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