Maternity Insurance Advice

[doodle]

Hello
I've had quotes from my broker about several different insurance companies as my employer provides the basic bupa package which does not cover maternity benefits.
The costs vary greatly but William Russell's Elite Platinum package looks a good mid range option.
Can anyone advise me on whether this would cover everything I need - i'm hoping to have a normal v delivery at the Matilda...... I also appreciate that the 'maternity waiting period' is 12 months after enrollment - that's why I want to sort it out quickly.

doodle

 

[bekyboo44]

Hi,

I can't comment on specific insurance packagaes but I would say that make sure your insurance will cover an 'emergency c-section.'
I also planned v birth at the Matilda but ending up having emergency c-section which made the total cost a lot more expensive. Fortunetly our insurance covered it but it's worth making sure any package you take will too.

Can not recommend the Matilda enough!

 

[sky123]

I went for Allianz as the cover is more extensive but it has recently increased its premiums quite substantially.

 

[spockey]

Are you a teacher or in the education sector? If you are, there is a special priced coverage (lower than what brokers have quoted) for the likes of me in the education sector (as long as you're considered an international educator) that will allow you to give birth at Matilda. PM me if you are and I'll provide you with the information.

 

[sky123]

You should look at costs for Matilda and your Dr. (doctors' charges can vary considerably). Do you want private room or can you settle for semi or ward room etc.

 

[doodle]

Thanks for all your help ladies

doodle

 

[rani]

I had William Russell, and their premiums have gone up significantly in the last couple of years. Have now switched to Healthcare Int'l.

Rani

 

[jamesandsimo]

any more updates on good health insurance for maternity? from what i have researched you need to be with most companies for 12 months prior to birth or conception.

 

[Bear Lau]

I think it is basically a "must" to be with the insurance company for a period of 12 months prior to birth if you have an individual policy.
I found myself pregnant 2 months after we got marry, but since I'm a dependant with my husband's medical insrance(from his company), there was no waiting period for all maternity cost which included all follow up.
But when we plan for our second one, my husband was planning to leave the company so we decided to get an individual policy for myself(just in case). So then, I found out all the insurance companies have to have a 12 months waiting period.

Hope this help.

 

[rani]

A few companies are ok with conception being within the first 12 months, but delivery should be after.