Starting a family is very exciting and at the same time daunting experience. You will want to focus all your energy on caring for your loved one and bringing your baby into the world without worrying about the bill. Purchasing a maternity insurance policy to go along with your plans for starting a family will go a long way to helping you with the expenses that come along with it. Giving birth in a hospital can cost anywhere between $1,000 and $6,000. Complications do happen during some births and this can add a lot more to your expenses. It is important to note that maternity insurance policies are bought as a “package” with other benefits such as out-patient consultation and hospitalisation.

Policies from different companies will offer different benefits and it is important to understand what you are being covered for. Generally, you will receive pre-natal and post-natal coverage. During and after your pregnancy, you will find yourself seeing your doctor for consultations and going for scans. Some women require more consultations and scans while others just need the average amount. Early on in your pregnancy you will be visiting the gynaecologist every 3 to 6 weeks and leading up to the big day your visits will be weekly or fortnightly. Unfortunately, sometimes the road gets a little bumpy and complications occur. This usually requires more consultation sessions with a specialist.

Maternity insurance also covers:

  • Ambulance fees.
  • Delivery of the baby. You can choose to opt for a policy that covers a normal or caesarean section birth.
  • Hospitalisation. This includes specialist’s consultation fees and room charges.
  • The baby. The maternity insurance policy will explain how long the baby will be covered for.

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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating