Similar to other types of insurance policies, you should apply to get maternity coverage well before you conceive because it is known as a pre-existing case. A maternity insurance policy needs to be purchased at least one year before you plan to get pregnant because policies take a year up to 5 years to provide a maximum maternity benefits. This is called a waiting period.
If you are working, check with your company to see if you are covered for maternity under their group insurance plan.
We at BrokerFish can personally help you to find a maternity policy that is not only suitable for your needs but also one that is specific to where you are and your budget. Head on over to BrokerFish.com for a free maternity insurance quote. We look for and compare various policies from different insurance providers and show you your best options.
Normal delivery: With the absence of any complications, the baby is delivered through a regular vaginal delivery.
Medical caesarean section: A caesarean section that is not elective is treated as a complication. Coverage for an elective caesarean section is also available.
Previous caesarean section: When applying for your maternity insurance policy, do let your insurance advisor know if you have given birth through caesarean section before so you can go through coverage options that are right for you.
Pre-natal and post-natal benefit: Having this benefit in your policy covers all the necessary consultations and ultrasound scans.
New-born health insurance: It is important to take up this policy as incubation services and treatment for your baby can be very costly. In the event of a complication, your baby will receive treatment without you having to worry about the expenses.
Complications: This refers to severe conditions like miscarriages, bleeding, pre-eclampsia, and etc.
Congenital issues: Getting covered for this in your policy will allow your baby to receive treatment quickly or within a few days for conditions that the baby may be born with.