maternity insurance..any recommendations?

[piggy]

hi rani! do you know whether all those insurance policies listed on the medibroker website apply to HK citizens and giving birth in HK as well?

piggy

 

[hinman]

Hi all

I am about to move to hk and found out my wife could be pregnant....do any of you guys have any advise ? as most of you mentioned that the insurance usually has a 10-12mth waiting period.....

please help !

hinman

 

[crj]

There are two issues with maternity insurance:

1. When will coverage start (the link above is good for that), most companies are 6, 10 or 12 months after you start the policy.

2. Will they cover all costs in FULL. giving birth in HK can be ery expensive if you want private rooms, etc... The policies that have 'limits' or 'caps' will not cover all expenses for a birth in HK - so read the fine print carefully.

Example costs: vaginal delivery, 3 days, private room, Matilda, doctors fees - can be around HKD 100,000. c-sections and emergency issues are a lot more. And this does not include all your pre-natal doctor visits, midwife visits, etc....
So please take care when deciding and be sure to check what is covered and up to what limit (if there is one).

Good luck!

 

[Arwen]

crj

I went to the Allianz website but can't find any local contact.
Are you able to give me the contact no. of your agent.

I am interested to get the maternity insurance from this provider as well.

Thanks

Arwen

 

[crj]

Hi Arwen

http://www.allianzworldwidecare.com/EN/index.php
You can buy from them directly.

Or
Allianz Insurance (Hong Kong) Ltd.11/F, Great Eagle Centre, 23 Harbour Road, Wanchai, Hong Kong.Phone +852 2521 6651Fax +852 2810 6191E-Mail >[email protected]
Internet>www.allianz.com.hk

Or
you can ask a local agent, like the one listed above, if they can sell you this policy.

Just be sure to get the Worldwide policy NOT the Asia policy as the Asia policy has a limit on maternity coverage.

 

[Starry]

Ihi

Hi, I have been using IHI since 2002. For my first delivery in 2003, including all pre delivery visits, they covered the cost 100%. I had a private room at Matilda Hospital and it fine with them. They paid in full. However, they do not cover maternity for the first 12 months of your policy.

For now, they were recently taken over by BUPA (2005), and while they want to keep the 2 companies, separate, they have reduced the maternity coverage. If you have their Out-patient (Module 1 ) and Hospital Plan (Module 2), they will cover a normal delivery including all doc visits before, up to USD11,000. For an emergency c-section, they cover up to USD14,000.

Their website is www.ihi.com

Hope this helps.

 

[betheresoon]

Hi all,

Does any insurance company cover IVF (ICSI)? We are expecting our first baby in Oct & we went through ICSI in Australia.

Thanks!

 

[fusciaskies]

Hello, can I just clarify the insurance poilcy language when it states that the insurance will not cover maternity for 10 months from the purchase date? Does this mean if I were to get pregant within 5 months of purchasing the insurance, the insurance would then kick in and I could get reimbursed for the prenatal care starting 5 months later (when the 10 months waiting would be over) and could also get the delivery costs covered (since it would be 14 months total from the date of purchase of the insurance? Or alternatively, is it that you can't get pregnant for the 10 months in order for the insurance to cover maternity costs? I have just had a miscarriage (and do not have much insurance) and was thinking perhaps I could buy insurance for the next baby we try for.

 

[soberano]

Hello, can I just clarify the insurance poilcy language when it states that the insurance will not cover maternity for 10 months from the purchase date? Does this mean if I were to get pregant within 5 months of purchasing the insurance, the insurance would then kick in and I could get reimbursed for the prenatal care starting 5 months later (when the 10 months waiting would be over) and could also get the delivery costs covered (since it would be 14 months total from the date of purchase of the insurance? Or alternatively, is it that you can't get pregnant for the 10 months in order for the insurance to cover maternity costs? I have just had a miscarriage (and do not have much insurance) and was thinking perhaps I could buy insurance for the next baby we try for.

Hello Fusciaskies! Did you find out about the insurance??? I don't understand it either ;-)
Sorry to hear about your miscarriage.

 

[jessy36]

Hi guys, just moved to HK with my husband from Canada and am overwhelmed by the prices and cost for giving birth in HK. Having maternity insurance for me is something new and am glad I came across this site. Right now i'm thinking of some cord blood storage for my baby. Have you guys heard of that?