• Happy pregnant expatriate couple receiving treatment on international health insurance plan.

What Does Expat Health Insurance Maternity Benefit Include?

The maternity/pregnancy benefit covers medical costs incurred during pregnancy and childbirth including but not limited to: routine maternity care, hospital charges, specialist fees, complications of pregnancy, mother’s pre- and post-natal care and care of the newborn.

Things to Be Aware of Regarding Maternity Cover:

  • As this is not a ‘standard’ or ‘basic’ benefit the levels of cover and what the benefit covers/includes will vary between international medical insurance providers and policy to policy. Always check to make sure the cover will be adequate for your location, keep in mind that cost in some countries (such as Hong Kong) can be much higher than other locations.
  • Waiting periods usually apply, it is typically 10-12 months before the cover will commence.
  • Maternity Cover for expats is generally only available with the top level of international expat health insurance available from an international medical insurance provider. This means that usually you will not be able to add the maternity benefit to a ‘basic’ expat health insurance plan.
  • It is important to note that if you want the maternity benefit on your policy you will have to add it when you first purchase your international medical insurance policy as it usually can not be added later. This means if you are planning to start a family at some point in the future than you should ensure you include maternity cover when you first take out the policy.

Did you know...

That your age plays a pivotal role in your international medical insurance premium?

Contact Xact Expat today to find out more.