Maternity Medical Insurance

Medical expenses insurance can give you maternity coverage. Although the benefits vary from insurer to insurer, all plans offer advantages for mothers who acquire a plan before becoming pregnant.

 Health insurance is as important for the baby as it is for the mother:

If your baby is born while you're insured, the insurer has to accept the baby on your policy as well. What does that mean: if your baby is born with a disease, the health insurance must allow you to add it to the policy and cover you for the disease. This is super important. If your baby is born with a disease and you do not have Major Medical Expenses Insurance, it will be very difficult (if not impossible) to obtain Medical Insurance for your baby.

 

If any complication occurs during childbirth, you are insured and can count on the Medical Insurance to pay for the medical care you require, according to the plan you have contracted. If you do not have insurance, any medical complications will be your responsibility. In other words: if everything goes well, nothing happens. If something gets complicated, the birth of your baby can become a serious financial problem for you and your family.

The maternity coverage in medical insurance pays compensation to the insured mother:

The maternity coverage pays compensation at the time of delivery or cesarean section, as long as the waiting period for this coverage is fulfilled. The waiting period for maternity coverage is 10 months in all health insurance plans. In other words, this coverage cannot be contracted if the woman is pregnant.

 

It is important to take into account the following:

Major medical insurance must be contracted BEFORE you get pregnant. Maternity coverage has a 10-month waiting period (some 12-month plans). So hiring health insurance to protect the mother and baby requires planning, unfortunately, you CANNOT hire maternity coverage once you are already pregnant.

 

What waiting periods does maternity have?

Apart from the general waiting period mentioned above, there are waiting periods for related treatments. Below, we detail some of the common waiting periods (it is important to consult the specific periods of your insurance since there are variations between insurers).

• newborn coverage
• complications of pregnancy, childbirth, or puerperium
• circumcision of those born outside the validity of the policy
• congenital and genetic conditions for newborns

 

What exclusions does maternity coverage have?

Maternity coverage commonly excludes (it's important to check your insurance's specific exclusions as there are variations between insurers):

 

• complications of pregnancy due to sterility or infertility treatments
• expenses for control, surveillance, and prenatal care
• abortion
• care of the healthy newborn (nursery, incubator, pediatrician)
• prematurity, diseases, or congenital conditions of the insured born outside the coverage

Can I take out health insurance while pregnant?

Some insurers allow you to take out health insurance while pregnant, you just have to take into account that you will not have maternity coverage and related benefits for your baby. After the birth of your baby, you can also ensure it, subject to the exclusions mentioned in the previous paragraph. Although it is repetitive to say it; You should take out health insurance as part of your financial plan when you are thinking of having a family.

 

Do I have to be married to benefit from maternity coverage?

It is not a requirement to be married, nor does the father of the baby have to be insured, so your marital status has nothing to do with the possibility of taking out insurance for major medical expenses and being able to access the benefits of maternity coverage.

 

Can I take out health insurance for my baby even if i am not insured?

Yes, you can ensure your baby, regardless of whether you or the baby's father has medical insurance. You only have to take into account that the insurance for the baby can be contracted once it is born and you will have to present the exclusions of the coverage; congenital diseases, for example, will not be covered.

Health insurance is as important for the baby as it is for the mother:

If your baby is born while you're insured, the insurer has to accept the baby on your policy as well. What does that mean: if your baby is born with a disease, the health insurance must allow you to add it to the policy and cover you for the disease. This is super important. If your baby is born with a disease and you do not have Major Medical Expenses Insurance, it will be very difficult (if not impossible) to obtain Medical Insurance for your baby.

 

If any complication occurs during childbirth, you are insured and can count on the Medical Insurance to pay for the medical care you require, according to the plan you have contracted. If you do not have insurance, any medical complications will be your responsibility. In other words: if everything goes well, nothing happens. If something gets complicated, the birth of your baby can become a serious financial problem for you and your family.

The maternity coverage in medical insurance pays compensation to the insured mother:

The maternity coverage pays compensation at the time of delivery or cesarean section, as long as the waiting period for this coverage is fulfilled. The waiting period for maternity coverage is 10 months in all health insurance plans. In other words, this coverage cannot be contracted if the woman is pregnant.