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Maternity Coverage

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 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.

Maternity coverage 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 insurance coverage, we highly advise a comprehensive GCC health insurance policy.

Below is a list of treatments that is covered by a typical GCC or international maternity 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 care

To help you answer all your questions and choose the best maternity coverage, please contact us today for expert UAE medical insurance advice.

Questions and Answers from Visitors

  1. Dhayalan:

    Looking for a medical insurance cover - maternity insurance

    Reply

    1. Miro:

      Hi Dhayalan,

      Thank you for your query.

      Most insurance providers will offer maternity benefits. Benefits can range from USD 6,000 to USD 20,000 in coverage depending on the insurance company you select. For instance OIC (BUPA), offer USD 11,050 of in-patient maternity cover (i.e the delivery costs) and USD 3,400 of out-patient cover (i.e. scans and check-ups). Please keep in mind that all providers will have a 8 to 12 month waiting period before you can avail of your maternity benefit. If you would like a plan with a shorter waiting period, the plans from DKV (an 8 month waiting period) or Bupa (a 10 month waiting period) are our best solutions. I recommend you speak with one of our agents to assist you with your request. May I ask, are you applying alone or with a partner?

      Reply

  2. Abhinav Kumar:

    Hi, would like to know details of the maternity insurance services provided by you. We are planning of kids in next few months.

    Reply

    1. Paul:

      Hi Abhinav
      Thanks for your enquiry. We offer a multitude of maternity packages which are can be local or international depending on your needs.
      Firstly to note; the waiting period for all our maternity insurance products are between 10 and 12 months. This means that the insurance company will not pay for any maternity costs until that period has finished. Please note that, you can become pregnant within the waiting period, just any of your pregnancy within the period you will pay out of pocket and the remaining months and delivery out of the waiting period the insurance company will pay.
      Routine maternity includes such treatments like checkups, ultra scans and a normal delivery. Each insurance company provides extra benefit for complications of pregnancy and complications of delivery (C-Section).
      In the UAE, Bupa are the most widely recognized by hospitals and Doctors for their maternity plans plus their waiting period is 10 months. Integra are popular as they offer extensive maternity cover, family discounts and have direct billing for outpatient treatment in the UAE.
      Kind Regards

      Reply

  3. susan:

    our plan is to take maternity insurance so just give information regarding plans.

    Reply

    1. Paul:

      Hi Susan
      Thank you for your enquiry.
      In relation maternity coverage, the waiting period is generally between 10 and 12 months for most products. This means that the insurance company will not pay for any maternity costs until that period has finished. Please note that, you can become pregnant within the waiting period, just any of your pregnancy within the period you will pay out of pocket and the remaining months and delivery out of the waiting period the insurance company will pay.
      Routine maternity encompasses pregnancy treatment such as checkups, ultra scans and a normal delivery. Newborn cover is another important factor, this will cover your baby when born under your policy until you have had time to add the baby to your policy. Again this varies with each company but generally newborn cover encompasses all treatment required while in hospital for up to 30 days.
      In the UAE, BUPA are the most widely recognized by hospitals and Doctors for their maternity plans plus their waiting period is 10 months. Integra are popular as they offer good maternity cover, family discounts and have direct billing for outpatient treatment in the UAE.
      I hope I have answered your question.
      Kind Regards.

      Reply

  4. sreeja:

    I have 2 months pregnant,staying in uae,i looking for good insurance,which insurance is good? Or which plan is good?

    Reply

    1. Paul:

      Hi Abhilash,
      Thanks for your inquiry.
      Generally the waiting period for maternity insurance is between 10 and 12 months. This means that the insurance company will not pay for any maternity costs until that period has finished. Please note that, you can become pregnant within the waiting period, just any of your pregnancy within the period you will pay out of pocket and the remaining months and delivery out of the waiting period the insurance company will pay. Basically, the later you become pregnant the more the insurance company will pay.
      Routine maternity encompasses all ‘normal’ pregnancy treatment such as checkups, ultra scans and a normal delivery. Each insurance company provides extra benefit for complications of pregnancy and complications of delivery (C-Section) As this is when the cost of treatment can become astronomical.
      Newborn cover is another important factor, this will cover your baby when born under your policy until you have had time to add the baby to your policy. Again this varies with each company but generally newborn cover encompasses all treatment required while in hospital for up to 30 days
      In the UAE, BUPA are the most widely recognized by hospitals and Doctors for their maternity plans plus their waiting period is 10 months. Integra are popular as they offer good maternity cover, family discounts and have direct billing for outpatient treatment in the UAE.
      I look forward to hearing your thoughts and feedback
      Kindest regard.

      Reply

  5. Jacqueline baltazar:

    Kindly quote me health insurance with maternity coverage. Thanks

    Reply

    1. Aries:

      Dear Jacqueline. We are Medical Health Insurance broker and we work for different insurance companies like Allianz, BUPA, Cigna, Aetna, Integra, etc. If you are looking for a local plan, I can recommend AXA Gulf and Morgan Price. AXA Gulf is one of the largest insurance company in UAE have branch in Middle East Countries. They do cover maternity with the limit for each plan (HP1-HP6) with a 12 months waiting period. Morgan price is a UK based company but they do offer regional and worldwide cover. They have the least waiting period for the maternity benefit which is 10 mos. And you have the option if you want to have a 0, 13.5 and 27 USD deductible. Both AXA and Morgan Price offer direct billing. We also have Cigna which is an international plan that also covers Maternity and you have the option if you would like to add a little outpatient plan. There premium rates are quite competitive but they do not offer direct billing and the waiting period for maternity is 12 mos. If you wish to receive quotation on those insurers, please let me know. Thanks.

      Reply


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