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Do insurance companies cover pregnancy delivery expenses?

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Many health insurance companies will provide maternity coverage on their policies. It is important that the policyholder specifically request a maternity benefit on a plan if they wish to receive this cover at some later date.

Typically, a maternity benefit will be attached to a waiting period. This means that you may have to wait a pre-determined amount of time (usually between 12 and 24 months from the start of the plan) before you are allowed to receive any of the maternity benefits offered by a policy. You may not claim for any treatment related to maternity which you have received during the waiting period.

Normal maternity insurance policies will typicall include benefits for the coverage of;

  • Pre-Natal Treatments
  • Normal delivery
  • Complications of delivery
  • Post-Natal Treatments.
A more comprehensive maternity insurance plan may also include coverage for benefits including;

  • IVF Treatments
  • New born child care
  • Congenital birth defect treatment.
It is important to note that many insurance companies will treat maternity as a pre-existing condition (hence the waiting period). It is not normally possible to obtain coverage from a maternity insurance plan if you purchase the policy whilst already pregnant.
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