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International Maternity Cover
Having a baby can be one of the most wonderful and rewarding experiences of your life, it can also be one of the most stressful and traumatic times, due to complications, or, being unprepared by not having adequate Health Insurance to cover the costs of childbirth, complications and caring for your newborn baby.
Treatment for Pregnancy and Childbirth, whether planned or otherwise, can be extremely expensive and the price of maternity treatment around the world can vary alarmingly, if there are complications with the pregnancy, costs can escalate significantly, this should be prepared for when you are planning on having children, now or in the future as it is not possible to buy international medical insurance to cover the costs of your pregnancy if you are already pregnant.
When choosing the right expatriate health insurance provider to cover maternity, you should consider the following:
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Regional Variations in Costs
International Healthcare costs around the world differ significantly, in the Middle East, one expatriate medical insurer has reported recent costs for a normal delivery of between $3,300 US Dollars and $8,000 US Dollars, these charges increase if complications arise and a Caesarean Section is required, costs are then reported between $6,500 US Dollars and $10,000 US Dollars.
The same expatriate health insurance company explains that costs for private maternity can rocket in the USA, normal delivery charges are reported between $20,000 US Dollars and $25,000 US Dollars, costs for Caesarean Sections in the United States have recently been reported as rising up to $35,000 US Dollars to $40,000 US Dollars.
April Medibroker can help advise you on the best international health insurance plan to suit your needs with realistic maternity claim limits for your part of the World.
Waiting Periods
Due to the potential high cost of private maternity treatment overseas, expatriate medical insurance provider will only offer cover for maternity treatment after you have been enrolled on an international health insurance plan for a continuous period. These periods vary by expat insurance provider and generally hover around the 12 months of continuous cover mark, although some insurers have lower waiting periods, the lowest currently being 8 months.
All costs and treatment incurred relating to a pregnancy that occur before the end of the waiting period are excluded from cover, treatment received that occur after a waiting period is completed would be covered up to the costs allowed by that insurer. Please be aware, if you are already pregnant before moving overseas you will not be able to buy international medical insurance to cover the costs of this pregnancy.
Complications of Maternity
Although many babies are born without any major difficulties, there are times when a little more help is required and extra medical treatment is required, expat medical insurance companies are aware of this and generally will offer higher claim limits for maternities that involve complications.
Newborn Children and Cover
Once a new baby arrives expat medical insurance plans will usually cover the costs of a Well- Baby check and immediate care, it is then essential that the newborn child is enrolled on cover as soon as early as possible as claim limits to cover the treatment of newborns can vary considerably.
There are some providers who offer special rates or free cover for children when insured with one or more parents, we are able to advise on plans that offer these incentives and we can also help to identify the plans offering the highest level of cover that also include cover for congenital birth defects and fertility treatment.
The sales advisors at April Medibroker have considerable knowledge of the plans available from the Worlds largest providers of International health insurance, not forgetting smaller providers that offer excellent benefits and service.
All plans offered by APRIL Medibroker have been fully scrutinised by our staff, and benefits, service, stability and integrity of plans offered are constantly evaluated to make sure that they are suitable to offer our clients and maintain our reputation as the Worlds most respected International Medical Insurance broker.
Steve McCrady 2010
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