Maternity Benefits Waiting Period Summary

This document provides a listing of the maternity benefits waiting periods for each of the Insurers / Plan Providers shown. It is important to note how each company describes these waiting times - some periods are described as "exclusions", whereas others are included as actual benefits and it is important to differentiate between these methods of description.

AXA PPP

Information from "Membership Guide", Page 43 under "Benefits Table - Additional Benefits"

Benefit is not payable for expenditure incurred within 10 months of you taking out this policy

BUPA International

Information from "Membership Guide", Page 20 under "Note 3 - Further Benefits"

We pay maternity benefits only after you have been covered under the Classic or Gold plan for 10 months.

Coversure

Information from "Master Contract", Page 4 under "General Certificate Exclusions"

Complications of pregnancy or routine pregnancy and childbirth costs incurred within 12 months of the date of entry

ExpaCare

Information from "Plan Summary", Page 5 under "Table of Benefits"

up to £4,000 / $6,800 or €6000 provided the mother has been a member for a continuous period of at least 10 months. No benefit is payable for the first ten months of cover.

Expatriate Healthcare

Information from "Policy Wording", Page 4 under "Section 3 - What We Do Not Cover"

Costs relating to pregnancy or childbirth (including complications) where You were likely to have conceived prior to, or within 12 months of Your Effective Date.

GoodHealth

Information from "Policy Wording", Page 9 under "Option 004 - Lifestyle Plus"

Costs associated with normal pregnancy and childbirth and any Related Condition incurred where the date of conception is after the first twelve months from the purchase date of this Benefit or the Date of Entry, whichever is the later.

HTH Worldwide

Information from "Global Citizen Brochure":

After 12 months of continuous coverage, Global Citizen members may apply for a new plan that covers maternity costs in
the same way as all other medical conditions. Members must submit a simple Health Statement to supplement their
original application.

Please note that eligibility for the HTH Worldwide plan is limited to US citizens living outside the USA or expatriates moving into the USA (restrictions may apply depending on the destination State)

IHI danmark

Information from "International Brochure", Page 20 under "Article 3"

For expenses incurred in connection with pregnancy and childbirth and consequences thereof, the right to reimbursement shall only take effect 12 (twelve) months after the date of commencement of the Insurance.

Integra Global

Information from "Policy Wording", Page 11 under "Maternity Benefits"

Your health plan covers you for maternity benefits after you have been covered under the plan for a consecutive 12 months.

InterGlobal

Information from "Plan Guide", Page 20 under "Benefit Exclusions for Maternity"

Claims for treatment received within 12 months after your original inception date of the Optional Maternity Add-on Plan.

IPH

Information from "Benefit Table", Page 3 under "Elite"

12 month waiting period applies

MediCare

Information from "Plan Rules", Page 1 under "Definitions"

Where this benefit is included in the Certificate, it will apply only to pregnancies whose expected date of delivery is at least 12 months after the commencement date for Maternity Care benefit of the Insured Person.

Morgan Price

Information from "GlobalHealth Policy Wording", Page 4, under "Medical Benefits"

Routine Maternity benefit will be payable after the first twelve months following the effective date where maternity benefits are included in the chosen level of cover.

MNUI

Information from "Policy Wording", Page 14 under "Exclusions"

Maternity: Charges related directly or indirectly to Pregnancy, including pre-natal care, delivery and post-natal care are excluded from this insurance until the Member has maintained coverage hereunder continuously for 12 months.

Seven Corners

Information from "Reside Prime Policy Certificate", Page 13 under "Pregnancy Benefits"

Pregnancy expenses incurred during the first 12 months of the Coverage Period are not considered Eligible Benefits

Vanbreda International

Information from "General Conditions", Page 24 under "Waiting Period"

There is a 10 months waiting period for all medical expenses related to delivery and maternity care, meaning that only expenses incurred as from the 11th month after acceptance into the insurance can be eligible for reimbursement. This waiting period can be waived for groups if at the time of affiliation they had been benefiting from a similar cover. Such waiver is only valid if explicitly mentioned in the Special Conditions.

William Russell

Information from "Plan Agreement", Page 16 under "Table of Benefits"

After you have been covered by the Elite Gold or Platinum Plan for a continuous period of twelve months we will pay towards the cost of routine pre-natal, childbirth and post-natal treatments and examinations, and towards the cost of natural childbirth or childbirth by elective or emergency caesarean section. There is no cover for costs incurred within the first 12 months of your plan

Important Note

This document is intended as a "quick reference" guide to maternity benefit waiting periods only and is not a full and comprehensive guide to policy benefits and limits. Full details of coverage provided by each Insurer / Plan Provider are contained within their plan rules and/or policy wordings, which are available upon request.

Andrew Wilson
Sales and Business Development Director

Medibroker Limited
17th March 2008