Maternity Insurance

[jaetee]

hi everyone,
had a quick question on maternity insurance - from what i have read, most (not all) insurance companies cap their general maternity coverage at about US$7000 (HK$55,000) - so....

1) did your insurance cover most/all your expenses pre-natal and delivery?

(I know there a couple of companies that cover a lot more and have much higher maximums, but I thought that William Russell, Interglobal, etc., had lower ones.)

thanks.

 

[turtle]

Goodhealth

I am with Goodhealth, who covered me up to around HKD60,000. However, as I had an emergency c-section they paid for EVERTHING. I think there was one test I had done that was not covered so I ended up paying HKD1,095 for the birth of our baby girl at the Matilda in a semi-private ward. If we did not have the emergency we think we would have ended up paying around HKD40,000 which was not covered by Goodhealth.

Hope this helps...

 

[rani]

I had William Russell and they cover $50K for routine materntiy care, and then another $76K if you have any complications. Baby was also 100% covered for the first 28 days but I believe they've capped that to $320K.

Ok, here's a breakdown of what we spent

Prenatal Care (consultations, u/s, 4D scan, blood work) - $19K (a bit high as I switched Drs)
Private Room Adventist - $27K (better to book a semi-private. chances are you'll have it to yr self)
Normal Delivery Dr's Fee's - $21K
Epidural - $4K
Anesthetist Epidural -$16K (high as we called him on a Sunday. best to negotiate his charges before)
Miscellanous Meds - $2K

Pediatrician - $5K (100% covered)

Total: $94K. We ended up paying an additional $40K

 

[jaetee]

Thanks for the posts (especially the cost breakdown!) - another question:

How do costs at Adventist compare to Canossa and Matilda? Do the docs charge differently depending on the hospital?

thanks again.

 

[rani]

Jaetee,

Haven't checked this year's charges, but the Adventist is usually a little less than the Matilda and a bit more than the Canossa. I don't think Drs charges change depending on the hospital, only on the room type.

 

[blessing]

I am just curious how Canossa compares with Matilda and Adventist. I have been to Matilda several times to visit a friend and it definitely looks like a multi-starrer hotel Also, comparing apples to apples, how is Canossa in terms of prices and services w.r.t. Adventist or Matilda?

 

[CheeryMum]

Canossa has good service, and much cheaper.
Matilda is like a hotel. Adventist is somewhere in btw.
Out of the three, I will choose Adventist.

 

[blessing]

Cheerymum,

Thanks a lot for your opinion. Any other mums want to voice their opinions comparing Matilda with Canossa and Adventist?

 

[joannek]

i had my baby at the matilda 3 mths after my sis-in-law had hers at Adventist.

at adventist. if u wanna bf, u have to be assertive of them not giving your baby water/sugar water at night, and tell them NOT to give formula. cos every mom told me that they always ask you whether you wanna give your baby sugar water/water the 1st nite. whereas at matilda,they're more supportive of breastfeeding. and they cup feed their babies instead of bottle feed.

adventst feels like a hospital, and matilda feels like a vacation. adventist is more convenient if hubby wants sth to eat - 5mins fr happy valley. at matilda, u'd have to order rm service (their rm service is pretty good, my hubby had a burger. i, of course, had chicken ginger rice brought from home)

oh, & sth i really like about mailtda. as a first time mom, i always had problems after we went home - feeding, baby crying, baby's poo color, etc at the wee hours. i think i called matilda maternity ward 10 times during the first 3 mths. and twice or 3 times were at 3 am. all my questions were answered with patience, and concern. that's sth i'd pay the extra for.

but of course, the down side is that it's so far away. (which is good for me, cos i didn't want any visitors)

at adventist, only mom is allowed in the baby rm, and allowed to push baby out. dads r not allowed. at matilda, both mom & dad allowed. adventist, they only show you once how to bath baby. at matilda, they show u everyday until u're ready to try, at canossa, i heard they show u w/ a doll (??) & w/ other parents.

 

[rani]

I had a totally different experience at the Adventist.

The mid-wives were excellent. Followed my bith plan to a T. I breastfed. D was in the nursery for the 1st night and they brought him to me every 4 hrs for feeding. Didn't need to be asssertive.

The Adventist cafeteria serves only vegetarian food. Patients are given meat, and I used to order a 2nd tray for my husband. The Asian selections were really yummy.

Both my husband and I were allowed in the nursery. They showed us how to bathe the baby once, and the following day we had to do it on our own.

I joined the well-baby clinic at the Canossa after, so would call or visit if I ever had any questions, or have the baby weighed.

Overall, the Adventist was great. Its not a hotel for sure, but the care/facilities are top-notch.