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Health Insurance For Pregnancy No Waiting Period – Maternity insurance confuses many women every year – and more often than not, the source of confusion is “waiting periods”. Many are disappointed to learn that this clause requires them to secure maternity insurance before becoming pregnant. So, whether you’re already pregnant or thinking about doing so, this Pacific Prime article will explain maternity insurance, waiting periods, and outline all your options.
Maternity insurance covers things like prenatal and postpartum care, routine vaginal delivery, as well as medically necessary C-sections. If you choose an international plan, as opposed to a domestic one, you will also be able to access care while overseas. Of course, the exact details will vary depending on your chosen insurer and plan.
Health Insurance For Pregnancy No Waiting Period
However, one thing that all maternity insurance plans will have is: “waiting periods”. Once you have secured the insurance, you will have to wait for a specific time before your plan starts and you can make claims. Typically, waiting periods are at least 10 to 12 months long.
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The reason why you will have a hard time finding a maternity insurance plan without some kind of waiting period is because most insurers want to prevent policyholders from taking out insurance when they are already pregnant as there is a 100% guarantee that they will make claims .
To reap the full benefits of maternity insurance, you’ll need to plan ahead for a family. This means securing maternity insurance, checking the waiting period and then trying for a child. If you become pregnant after the waiting period is over, you will be covered immediately from day 1 of your conception date.
Let’s assume you bought your policy on January 1, 2020, which has a 12-month waiting period. Ideally, this means you should aim to get pregnant after January 1, 2021. Now, what if you get pregnant long before your waiting period ends? After all, it is difficult to plan exactly when you will conceive.
In this case, your policy will still kick in after 1 January 2021. What you will be covered for will depend on how much time you have left before your waiting period expires. Here are three hypothetical scenarios of your conception date and what you can expect to be covered for:
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Generally, compared to other maternity treatments, the cost of giving birth is the highest, so you can still benefit from delivery cover as it takes place at the end of the pregnancy. What’s more, your baby will also be covered in case of any complications.
Unfortunately, waiting periods leave little room for women to secure maternity insurance when they are already pregnant. Beyond insurance, however, there are steps you can take to make sure you and your baby are protected. Make sure you eat healthy and avoid risky behavior (for example drinking or smoking).
Even though you may have to pay for it out of pocket, it is advisable to go for prenatal care and tests. This is especially important if you are over 35, have pre-existing health conditions or any other risk factors. This will help monitor your baby’s development, identify any problems early, as well as avoid complications during delivery.
In addition to prenatal care and tests, you may also want to consider newborn coverage to give your baby the gift of excellent health care from the moment they are born. This is a wise step for you to take because young immune systems are prone to disease.
Maternity Insurance: What Are “waiting Periods”?
Waiting period is just one maternity insurance jargon. Want to learn more about maternity insurance? Pacific Prime can help. Our 2019-2020 International Maternity Insurance Guide explains other maternity insurance terms and coverage options, the differences between domestic and international maternity insurance, and so much more!
Alternatively, for a quick overview of the guide, you can also check out our infographic on the same topic. We are dedicated to helping our readers navigate the complex world of health insurance – in whatever format or medium works best! Follow our blog for weekly news, articles and updates on the latest resource.
If you are ready to secure maternity insurance, you can also get in touch with our advisors. In some cases, the team consists of women who have first-hand experience of the pregnancy and insurance process. You will get personal and unbiased advice. Contact us today for the best maternity coverage for your needs and budget!
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Guide To Maternity Insurance
Suphanida is a Senior Content Creator at Pacific Prime, an award-winning global health insurance and employee benefits specialist.
With over 5 years of experience in the field, Suphanida spends most of her day synthesizing complex pieces of insurance-related information and translating them into easy-to-understand, engaging and effective content across a variety of media such as articles, infographics, white papers, videos and more.
Suphanida is also responsible for planning and publishing three white papers released annually by Pacific Prime: The State of Health Insurance Report, The Cost of Health Insurance Report, and The Global Employee Benefits Trends Report. In addition, she handles the LinkedIn profiles of Pacific Prime’s Founder and CEO, as well as Global HR Lead.
Suphanida’s strengths lie in her strong research and analytical skills, which she gained from her BA in Politics at the University of Warwick and Erasmus Mundus Joint MA in Journalism from Aarhus University and City, University of London.
Medical/personal Health Insurance Singapore
Being of Thai-Indian origin and having lived, studied and worked in Thailand, the UK and Denmark, Suphanida also has a unique, multicultural perspective that helps her understand the struggles of expats and globetrotters. Motherhood is a beautiful and transformative journey in a woman’s life. Becoming a mother brings immeasurable joy and a sense of purpose. At the same time, it also comes with a host of challenges and responsibilities. One way to ensure that both you and your baby are protected is through Maternity Insurance cover that you can buy with health insurance. This provides you with financial support and peace of mind during the important and often expensive time of pregnancy and childbirth.
In this article we talk about Maternity Insurance, the conditions associated with its coverage, and whether you can buy it when you are pregnant. Let’s go!
Maternity cover provides financial cover for the medical expenses associated with pregnancy. Their availability varies between different plans—some may have it as a built-in feature with their health insurance, while others may require it to be added as an extra coverage by paying an additional premium. Maternity cover allows you to focus on the needs of your growing family without worrying about the cost of medical expenses or lost income. It is therefore considered a valuable resource for new mothers.
Yes, you can get Maternity Insurance cover while you are pregnant. But you should be aware of the associated waiting periods. As previously discussed, when it comes to Maternity Insurance coverage, you must serve a waiting period of 9 months – 4 years or more, depending on the insurer, before you are eligible for coverage.
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So, even if you buy Maternity Insurance cover when you are expecting, your delivery and other maternity related expenses will not be covered until the waiting period is over.
It is recommended to purchase maternity insurance cover as early as possible, ideally before conception or at the start of planning to expand your family. This allows you to serve the waiting periods and enjoy the benefits offered by the policy such as coverage for antenatal and postnatal expenses, delivery charges and other related medical expenses.
If you wait until after you are pregnant, you may not be eligible for coverage. It is also important to carefully review the terms and conditions of a maternity insurance cover, including the waiting period, coverage limits and any exclusions, to ensure that it meets your specific needs and provides adequate protection for you and your baby.
A maternity insurance cover takes care of various medical expenses related to pregnancy and can help ease the financial burden associated with bringing your newborn baby into this world. To ensure you get the most out of your maternity insurance cover, it is recommended that you purchase it as early as possible, review the terms and conditions carefully, and understand the coverage limits and exclusions, if any. Best Maternity Insurance Plan for Pregnancies from IVF or assisted conception procedures and mothers expecting more than 2 fetuses
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But sometimes unexpected complications can arise during pregnancy or childbirth that affect both mother and child. This can become very expensive and can be a heavy financial burden – especially for new parents.
And while Medishield Life or Integrated Shield plans (IPs) can offer maternity cover to a certain extent, most parents can’t help but wonder if other insurance plans can offer more comprehensive protection when it comes to their precious one.
This is where maternity insurance plans come into the picture as they provide a suitable supplement to this limited coverage and to offset any additional expenses.
First of all, you should know that there are 2 types of maternity insurance plans, standalone maternity insurance plans and those
