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FAQs: Expat Maternity Insurance

FAQs: Expat Maternity Insurance

01. Can I be covered for maternity if I am already pregnant?
02. What if I get pregnant after buying the insurance?
03. What do they mean by "Waiting Period"?
04. What if my baby is born with a birth defect?
05. Is my baby insured from birth?
06. What if something happens during my pregnancy or delivery?
07. Am I insured for childbirth?
08. Am I covered for C-section?
09. Does my pregnancy insurance cover all tests?
10. Is there an age limit?

1. Can I be covered for maternity if I am already pregnant?

As pregnancy is considered as a pre-existing condition, most insurers will not accept your application if you are already pregnant. Unless, you are joining a group policy, some may waive or shorten the waiting period.

2. What if I get pregnant after buying the insurance?

Some insurers have different waiting period for pregnancy and delivery. For maternity, it usually starts from 8 to 12 months. Some has no waiting period for pregnancy which means that if you get pregnant after your insurance starts, you may claim for your prenatal check-ups straight away.

3. What do they mean by "Waiting Period"?

Some insurers define waiting period as from the date of joining. So if your insurance starts in January and the waiting period is 8 months, you will be able to claim for approved expenses related to maternity in September. If the insurer defines waiting period as date of conception, then you can only make a claim if you get pregnant after September.

4. What if my baby is born with a birth defect?

What happens should your baby be born with an abnormality, deformity, disease, illness or injury, i.e. congenital condition. Coverage by insurers vary from all to none to partial.

5. Is my baby insured from birth?

Newborns go through routine check-ups such as normal hearing tests, inoculations, vaccinations, etc. Some insurers do cover and some don't at all.

6. What if something happens during my pregnancy or delivery?

Some insurers will cover complications in pregnancy and delivery under outpatient or inpatient benefit and some under maternity benefit. If it is all lumped into your maternity benefit, you may incur some out-of-pocket expenses.

7. Am I insured for childbirth?

The whole point of getting a maternity insurance is to cover for childbirth which normally includes expenses such as hospital charges, obstetricians' and midwives' fees, postnatal care, etc.

8. Am I covered for C-section?

Most medically necessary C-sections are covered as it is considered as complication in delivery. If you opt for C-section voluntarily, it will not be covered.

9. Does my pregnancy insurance cover all tests?

Some insurers do not cover triple/quad test, amniocentesis, DNA analysis for women below 35.

10. Is there an age limit?

Most insurers will not cover women after the age of 44.

 

Also See:

What is Expat Maternity Insurance