Health insurance with pregnancy cover

The joy of a mother is holding a healthy baby in her hands. Life start at conception and it is a beautiful experience to mothers. Insurance companies covering pregnant women are contributing to their joy. In Kenya, women have access to free maternity services. Pregnancy is an expensive journey. The food and the pre-natal, delivery and post-natal check-ps. But with an insurance, most expenses are catered for. A mother should worry about the food. Pregnancy cover can be bought as a rider. A rider is an additional plan to the term basic insurance plan. Buying it as a rider is better than changing the marketplace.

What is covered by the maternity insurance?

Maternity insurance is a way of bringing happiness to mothers. This insurance plan covers the following areas;

Pre-natal check-ups. If you have a maternity cover, you should be able to access covered pre-natal check-ups. These are the checkups before a baby is born. In the nine months, you will need to go for clinic. Without an insurance, you will make cash payments. This should be the case. You should concentrate on shopping for the best clothes and accessories for your coming baby. This is why a maternity insurance allows you to get check-ups on cashless payments.

Delivery. This is the day when the parents go crazy. The weather changes as the woman enters that delivery room. The world comes to a standstill and you can barely think of anything. Money is the last thing you can remember at this moment. If you do not have an insurance cover, you might end up stressed because of the cost. Maternity insurance covers the delivery cost and contributes to the joy and happiness.

Post-natal checkups. Know the progress of your newborn and ensure that all is well. Without an insurance policy, you might overlook the importance of post-natal checkups. You might be scared you will spend a lot of money. Relax, this is why the maternity insurance cover caters for post-natal checkups. The health of the baby is important.

Ambulance expenses. Some plans, which means not all, will cover ambulance expenses. These are the expenses when the pregnant mother is taken to the hospital for delivery. Using public transport is not healthy at this time. Perhaps you do not have a private means either. Ambulance is the only option you have. The expenses will be covered by your maternity insurance plan.

Things to know about maternity insurance

Applying for a maternity insurance while pregnant has its consequences. Most insurance companies will treat it as a pre-existing condition. You may or may not get the cover. This means you should apply for the cover before pregnancy.

Waiting period for the maturity of maternity plan is long. In some insurance company, the waiting period can go to over an year. If you apply while still pregnant, will the pregnancy wait for two or more years? Prepare yourself in advance and make a proposal the moment you start of getting married. By the time you are having children, the cover will have matured.

Do not be shocked to pay higher premiums for this plan. Maternity insurances state higher premiums compared to other insurance policies. It is worth it because the services you get are many. As a policy holder, you will receive almost free pregnancy, delivery and follow ups. If you were to pay for the services yourself, you would get into a financial crisis. The premiums are just a small percentage of the total cost. Humana health insurance is an example of companies that offer maternity insurance. The companies are focusing on making the sector suitable for all groups. 

Ectopic pregnancy expenses are excluded in maternity insurance cover. This is a risky condition and is expensive. Insurers will not cover any ectopic pregnancy related expenses. As a policy holder, you will take care of the expenses by yourself. You should know this so that you are prepared in case things turn out differently.

Benefits of maternity insurance cover

The newborn is covered. After delivery, your child is covered under this plan for a specific period of time. In case your child is sick during this period, the maternity insurance will cover for the expenses. I like this because it gives you enough time to settle and enjoy the feeling of a new member. However, after the period stated expires, you will cater for the expenses or buy an insurance policy for the newborn.

Covered transport to the hospital. This does not mean you should take a public means. Ambulance expenses on the day of delivery are covered. After delivery, the expenses can be covered up to a time when the policy doesn’t cover for the baby. 

You also get many other benefits like free pre and post hospitalization. This time is meant for you to concentrate on the life you are carrying. Insurance companies like Humana health insurance are partnering with hospitals to give prospective mothers a good experience. Life and health are the most important things. You cannot do anything if your health is poor. As human being, consider the most important things in life. Money is important, but not as important as life. I say this because some people have weird behavior. They will consider going for cheaper premiums with poor services. Good and affordable services are what make you buy a policy. If you will consider premiums first, you will get hurt.

Conclusion

Health insurance with pregnancy cover is the best option for policy holders. You can choose to buy the pregnancy cover as a rider or a plan by its own. I prefer the former because of the many benefits attached to it. If you have already hit the marriage age, you should buy a pregnancy cover. This will help you not wait for three or more years for your cover to start working. Pregnancy will not wait for that long.