• 20
  Sep
  2010

• Pregnancy and maternity coverage

  
  Filed Under: Health Insurance

Most international student health insurance policies offer maternity coverage. That means pregnancy is treated as any other condition, and medical expenses incurred are covered as per the policy document. But, of course, there is catch.

For maternity coverage to be available, conception must happen after the policy is bought and has been in force for an agreed period of time. Some policies need to be in force for a period of 3 months to 3 years, before the insured becomes eligible to receive coverage. So, if maternity coverage is important to you, make sure that you read the details about its coverage and pick the right policy.

If the person is already pregnant before the policy was purchased, maternity coverage is not offered. Pregnancy would then be considered as a pre-existing condition. Coverage may still be available for the next child, though. But the policy terms need to be referred for further details.

This underscores the importance of buying a medical insurance policy as soon as possible. Whether it is emergencies that need medical coverage, or planned/unplanned maternity expenses that need to paid for, the sooner the policy is bought, simpler it is.

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