Once you decide to become a parent you should start considering the health risks associated with pregnancy. Automatic pregnancy insurance is a top priority in your or your partner’s pregnancy plans.
The Importance of Pregnancy Insurance
Pregnancy and childbirth are the most important phases. Planning to get pregnant, of course, must be prepared with the consequences of not cheap costs. The largest portion is definitely for medical expenses.
Current facts show that medical costs during pregnancy, childbirth, and postpartum for normal processes alone have reached tens of millions of rupiah. The number of figures is not small and will even increase if there are conditions or emergencies during pregnancy.
Anticipating all these expenses, of course you have to consider it well.
This reason is more than enough for you to see the importance of having pregnancy insurance as the best option to keep you calm, safe, and comfortable when you have to go through pregnancy until the delivery process later.
Choose the Appropriate
Generally, health insurance policies also provide additional options for coverage for pregnancy and childbirth. However, the size and type of coverage is sometimes insufficient.
The best advice is that you buy separate pregnancy insurance coverage yourself. This allows you to design your own size and type of coverage as well as the value of the premium accordingly.
Therefore, before determining the right choice for pregnancy insurance, you must pay attention to the following points.
Types of Benefits and Extent of Guarantee
Good pregnancy insurance with optimal benefits and coverage area, at least must provide the following main benefit coverage.
- Hospital care benefits, including hospitalization before delivery (minimum 30 days) and postpartum (minimum 60 days).
- Cover pre and postpartum medical costs, both normal and cesarean delivery as well as medical costs due to postpartum complications.
- Cover hospital room fees, medicines, and doctor and surgeon consultation fees.
- Protection benefits for newborns (in the first 90 days), if the baby is diagnosed with a critical illness or congenital abnormality.
Note, the amount of benefits and the extent of the guarantee must be complete and adequate and tailored to your needs and budget.
The waiting period in pregnancy insurance ( maternity waiting period ) is all forms of benefits and guarantees for a new pregnancy will apply after the waiting period has passed. Generally, the length of the waiting period is between nine and 12 months.
However, you can negotiate the length of the waiting period with the insurance company to make it shorter. Of course, with the terms and conditions that apply.
Therefore, if you or your partner starts planning to get pregnant then having pregnancy insurance must also be included in the plan.
Limitation and Flexibility
Pregnancy and childbirth benefits that are included in a health insurance package are usually inadequate and flexible, both in terms of the type and size of the coverage as well as the terms and conditions.
Therefore, it is better for you to separate your pregnancy insurance plan from your health insurance . You can more freely determine the limitations of the benefits and guarantees of your pregnancy insurance.
However, you still have to be careful because the limitations and flexibility of the policy will directly affect the amount of the premium value.
So, pay close attention that the types and sizes of benefits that are optimally able to meet your needs during pregnancy and childbirth are in accordance with your financial budget.
The premium for pregnancy insurance is relatively higher. The value of the premium really depends on the type and amount of benefits. You must really consider the compatibility between these two things so that the value of your pregnancy insurance premium can reflect the type and amount of optimal benefits.
Paying a slightly higher premium is much better than you are getting a very limited type and size of benefits.
You choose to pay a lower premium but it costs you a very large additional fee when a medical emergency occurs during pregnancy or childbirth. Don’t let that happen!
A good pregnancy insurance will certainly offer you various types of additional benefits, both those related to medical and non-medical benefits.
Additional medical benefits.
- Shorter waiting period.
- Guaranteed doctor’s consultation fee, medicines, as well as supplements, nutrition, and vitamins for pregnant women.
- Insurance for outpatient costs, such as laboratories, blood checks, ultrasound, and so on.
- Cover for medical emergencies, such as evacuations and ambulances.
- and so forth.
Additional non-medical benefits.
- Features cashless payment ( cashless )
- No Claim Bonus
- Compensation for maternal or child death.
- Benefits of pregnancy exercise and childbirth guidance
- and so forth
Additional benefits can be used as a complete pregnancy insurance package or only as an option for additional benefits if needed.
Pregnancy and childbirth are the most important phases in your or your partner’s life. Therefore, plan things very well starting with choosing the right pregnancy insurance.
Furthermore, enjoy your pregnancy and childbirth with complete calm and comfort.