If you are an expectant mother, good health insurance coverage is more important than ever. You will depend on your health insurance for everything from prenatal and maternity care to pediatric visits and immunizations for your baby. To avoid surprise medical bills, it’s important to learn the terms of your maternity insurance coverage right now.
Planning to have a child?
Here is what to expect: Prenatal visits, Consultation, Scans, Supplements, Natural birth/Scheduled CS/Emergency CS, Postnatal visits (Free at government hospitals)
What is the best time to get a Maternity cover?
Maternity cover needs to be planned in advance due to waiting periods. It is difficult to access cover when already pregnant. Most companies have a 10 month waiting period before you can use your maternity cover. It is better to be ready.
What is the difference between an inbuilt and Optional maternity cover?
An inbuilt maternity cover is part of the package that comes with your insurance cover. It is advisable to check whether your insurance cover has this in the package. If it lacks maternity cover then the second point below would work well for you.
An Optional maternity cover is where you pay separately for maternity cover if your insurance does not cover it, or if you feel that the limit you have on your inbuilt one is not enough.
Is the cost of CS and Natural Birth the same?
Natural birth costs are lower. CS costs are higher because of the procedure involved and the time spent at the hospital after the procedure. Both are treated as different procedures and attract different costs.
What is a Waiting Period?
The concept of a waiting period arises when a person seeks insurance after falling ill. One of the cardinal principles of insurance is risk. Most insurance companies have different policies relating to the waiting period.
Is Prenatal and Postnatal care covered?
Yes, most insurance companies cover this, but it is important to know exclusions in your policy. For example how many scans you are limited to and also drugs that are not covered.
What are the costs I should expect for Health Insurance with Maternity cover?
Cost differs from company to company. However, with the Afrinsure comparison tool, you can compare Health Insurance plans from different companies and prices. If you encounter any challenges during the process, feel free to contact an Afrinsure agent to get free advice and assistance on your comparison.
Remember to try to enjoy your pregnancy without allowing financial concerns to rob you of your excitement. Let the experts at Afrinsure guide you on your needs. Follow this link for a free quotation. https://afrinsure.com/
By Afrinsure