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Having a child can be an exhilarating, and happy time. However, there will also be extra responsibilities, such as making sure that the newborn child and expecting mother will both be taken care of medically and financially.
Many medical plans and insurers can help provide that ease of mind by including international maternity health insurance coverage as a part of your insurance plan. However, this would require a bit of planning as most insurers require a waiting period, which means that an individual has to be a policy holder for a certain length of time before maternity costs will be covered. Usually this waiting period ranges from around 8 to 12 months.
Pregnancy insurance is highly recommended for families who may have children in the future. The costs of childbirth for medical treatments such as vaccinations, medication, or for the unfortunate event of congenital birth defects or birth complications can be very expensive. Expectant mothers and family members will also have to make the decision of whether to utilize a private or semi-private room for the delivery. Private rooms in the best hospitals can be very costly. Some other policy conditions to consider is that some insurers will put a limit to the period of coverage for newborns. If the newborn is in poor health or have complicated medical issues, the insurer may choose to decline covering the newborn at this point. However, there are more comprehensive plans that will cover the newborn, regardless. To get the best medical care and pregnancy insurance cover, we highly advise a comprehensive GCC health insurance policy.
Below is a list of treatments that is covered by a typical GCC or international childbirth insurance plan. This list is not definitive, and coverage may vary depending on the particular plan and insurer.
A typical maternity insurance policy may cover:
- Delivery and complications from delivery costs
- Pre and postnatal care
- Medication costs
- Caesarean section costs
- Home delivery costs
A more thorough insurance policy may include the following benefits:
- Congenital Birth Defects
- Fertility treatments
- Newborn insurance