Your health insurance plan may come with maternity cover but there are certain terms and conditions expecting parents need to be aware of. For example, did you know that most health insurance plans may not cover your pregnancy unless you have been insured for at least six to twelve months before getting pregnant?
To avoid any surprises during your pregnancy and child birth, here is a list of question you should ask your service provider about maternity cover:
- Countries: Which countries does your policy cover? This is important information especially if you are thinking of giving birth in your home country.
- Hospitals: Which hospital are covered under your health insurance policy?
- Terms and conditions: Will your maternity cover apply as soon as you get your health insurance policy? If not, how long will you have to wait to get covered?
- Hospital stay: After delivery, how many days in the hospital will you be covered for? How many days will the baby be covered for?
- Claims: How soon before or after labor should you contact your service provider? Some insurance companies may penalize you if you don’t inform them within hours of deliver or admission into the hospital.
- Charges: Does your insurance company pay directly for all your consultation or will you have to pay for it yourself and claim it back later?
- Ceiling: Is your maternity cover unlimited or is there a maximum amount you are covered up to?
- Prenatal care: Before delivery, will your regular doctor consultations be covered under your policy? Will it include procedures such as ultrasounds and blood tests?
- Pregnancy screenings: Will screening tests to check the health of your baby during pregnancy be covered such as chorionic villus sampling (CVS) or amniocentesis? Keep in mind, insurance companies may refuse to cover screening test for Down syndrome for women under the age of 35.
- Postpartum care: Will follow-up visits to the doctor after delivery be covered? In case of complications during and after delivery, will your consultations, hospital stay and treatment be covered? Will your baby be covered during and after pregnancy if any complication arises?
To ensure a smooth pregnancy and avoid hidden charges, get well-informed about all the terms and conditions of your maternity cover. Find out more about health insurance policies in Saudi Arabia.