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Q:
I am a UK citizen residing in Nigeria; thus not eligible for free NHS medical treatment. I am currently pregnant and wish to deliver my baby in the UK however I don't have international medical cover. As most insurance plans have a waiting period, I will have to pay for my delivery in the UK out-of-pocket. Responsibly, I also have to take into consideration the possibility of unplanned complications and neonatal issues. Thus, I am in the market for an insurance plan that will cover me and baby for these without a waiting period. Do they exist?
A:
All international health insurance plans currently on the
market will have a waiting period attached to the maternity benefit. This means
that you will be unable to claim, or receive coverage under the plan, for
maternity treatment until you have held the policy for a specific amount of
time – normally 10 months or longer from the initial purchase date or policy
start date.
Under a waiting period you will be unable to receive
insurance covered treatment for pre-natal or ante-natal doctors’ visits and
checkups, ultrasound scans or maternity related tests, or the actual costs
involved in the delivery of your child (whether through a natural vaginal
delivery or an emergency caesarian section).
However, in relation to your question, it is possible to
obtain an international health insurance plan which includes coverage for Complications of Pregnancy without a
waiting period. A complication of pregnancy would include conditions like
preeclampsia or a miscarriage – under an international health insurance plan
which includes Complications of Pregnancy you are generally covered for any
medically necessary treatment resulting from a condition which would endanger
you or your child’s life prior to the actual delivery. It is important to note
that Complications of Pregnancy coverage is not available under all plans from
all international medical insurance companies, and that the specific coverage
offered under this type of benefit will vary greatly depending on the insurer
and plan you choose to purchase.
With regards to the second part of your question, there
are a large number of options for New Born Child health insurance coverage
without a waiting period within the global health insurance industry.
An international health insurance policy which includes a
New Born Child coverage benefit will ensure that your baby is able to receive comprehensive
medical assistance from birth no matter what the state of their health may be.
This can be highly important should the child experience any medical concerns
at birth or suffer from a congenital condition as these will normally be
treated as pre-existing conditions by health insurance policies which do not
offer a New Born Child insurance benefit.
Obtaining a New Born Child benefit and having your child
born onto an existing health insurance policy will ensure that they are covered
for life against any potential health concerns they may encounter.
If you have any additional questions regarding maternity
insurance or New Born Child health insurance coverage, waiting periods on
global health insurance plans offered by CCW Global, or if you would like to
receive a free health insurance quotation for your family, please Contact Us Today to speak with our dedicated health insurance brokers.
Answered on: 17 January, 2017 09:47
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