Pregnancy and childbirth insurance

Today, the number of expectant mothers who sign pregnancy and childbirth insurance contracts is growing. It was created for those people who do not trust the services of free medicine or do not have the opportunity to waste time waiting in district women's consultations.

If you are not one of those who like to chat in line, then you have two options. The first is to find a doctor, make an agreement and pay him personally for each visit. The second is to get pregnancy and childbirth insurance in the maternity hospital that you like. The insurance policy has some advantages.

You will not be prescribed unnecessary tests and examinations that are done in commercial laboratories and, accordingly, are not cheap. This often happens in district clinics, where doctors who have agreements with private laboratories receive a percentage from each referred patient. The insurance company saves its money and, in this regard, unnecessary expensive examinations will not appear. This will bring more benefit to you, since it will save you from an unnecessary visit to a medical institution and contact with people around you in line who may have various sources of infectious diseases, and you will not bother your future baby once again. The insurance policy acts as a guarantor of the quality and adequacy of medical care, which cannot be said even about some commercial institutions. You will be sure that you will not encounter rudeness and impoliteness of doctors. The insurer's representatives closely monitor such situations.

The number of services provided by the insurance for pregnancy and childbirth directly depends on its price. The higher the cost of the insurance policy, the wider range of services it provides. Insurance can be purchased at the beginning of pregnancy, then it will include a full list of medical services for monitoring the pregnant woman and childbirth. It is possible to purchase insurance exclusively for childbirth. A universal pregnancy support package (supervising obstetrician-gynecologist, necessary tests, a certain number of ultrasound examinations), transportation of the woman in labor to the maternity ward, childbirth (including, if necessary, a cesarean section) and postpartum stay in the maternity ward are very popular.

Prices for comprehensive services largely depend on the maternity hospital you choose. But it's worth thinking about and weighing all the pros and cons, if you negotiate with the doctor and thank all the staff who will take part in the birth of your child, it can cost much more than an insurance policy.

The pricing policy directly depends on the services chosen. Let's give an example: a single postnatal ward will cost significantly more than one where several other mothers will stay with you. Both options have both positive and negative aspects. Staying in a separate ward, you will not always be able to call a specialist at the right time, while in a general ward your "colleagues" will help you with this. At the same time, being in a multi-bed ward, you and your baby may be disturbed by the crying and noise of other children and their mothers. What to choose is up to you.

It is also necessary to mention that in Ukraine and Russia, insurance for pregnancy and childbirth is offered by various insurance companies (they allow you to choose your favorite clinic or maternity ward from the proposed list). It is also possible to issue an insurance policy directly at the maternity hospital itself, which, in your opinion, is reliable.

Travel insurance during pregnancy

During pregnancy, which proceeds without any particular pathologies and complications, travel is allowed. Especially when the gestational period is small enough. However, if there are various complications related to bearing a baby, for example, there is a threat of miscarriage, late toxicosis has appeared, then it is advisable to postpone travel.

Travel insurance during pregnancy is a specific type of policy. In this case, the lives of the mother and fetus depend on the speed of providing qualified medical care. A limited number of companies provide such an insurance policy. A pregnant woman exposes her health to enormous risk throughout the entire trip. Insurers providing such a package of services stipulate the period of pregnancy, beyond which the insurance policy will not be valid.

Insurance for pregnant women when traveling abroad

When traveling outside the country, it is necessary to think about the issue of medical insurance for the expectant mother. It can be obtained from the travel agency that organizes the trip. Most often, medical insurance covers cases where the tourist's pregnancy period is no more than 12 weeks. With a longer gestational period, you will have to independently look for an insurance company that will select a policy taking into account all the nuances. Up to the eighth week of pregnancy, tourists can buy insurance at a lower price, and from the 8th to the 24th week, the cost increases significantly. This is due to the specifics of the pregnant woman's condition and the peculiarities of providing medical care that she may need.

Fans of foreign travel should take into account that regular insurance does not fully protect pregnant women. A typical insurance policy will not be able to compensate for the costs of treating possible complications associated with pregnancy, childbirth and their consequences. When applying for insurance, it is necessary to indicate the special period of waiting for the baby! Some companies offer online registration of an insurance policy for pregnant women when traveling abroad. It is necessary to take care in advance that all funding for the provision of medical services falls exclusively on the insurance company!

The expectant mother will have to look for an experienced and reliable insurance company, ready to become a guarantor of the necessary assistance in case of an emergency situation directly related to pregnancy. It is worth considering that some points also depend on the foreign partner of the insurance company (the local insurer who will work with you abroad, and then transfer all the bills to the company that has concluded an agreement with you).