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Maternity Insurance

Get maternity cover explained to you and find suitable health insurance plans in China.

Why should you buy maternity insurance?

Excited to welcome a new life into the world? For parents-to-be, pregnancy is a joyful period. That said, it's also full of uncertainties and worries. Medical fees are constantly on the rise from pre-to post-childbirth, adding unnecessary stress for parents. The right maternity insurance plan can give peace of mind by providing comprehensive coverage and financial security for the mother and child before and after childbirth. If you're already pregnant, you can still secure health insurance to cover pregnancy-related conditions, newborn medical expenses, and birth defects. Note that purchasing a plan in the midst of your pregnancy means that either you won't be covered for child delivery costs or you will only be partially reimbursed. In addition, there will be limitations to the policy upon purchase.

What does maternity insurance cover?

Maternity covers the costs related to

  • Pre and Post-natal treatments & examinations
  • Medically prescribed Caesarian
  • Normal delivery
  • Delivery with complications
  • Delivery following fertility treatment
  • Hospital or Home delivery costs

Comprehensive plans will also cover

  • Care of newborn children
  • Fertility treatments
  • Congenital birth defects
  • Maternity policies can also include the medical treatment required for newborns if something unexpected happens.

Already Pregnant?

We recommend securing maternity insurance prior to your pregnancy. That said, rest assured that you can still secure certain insurance plans mid-pregnancy though there will be a big difference when it comes to premium rates and coverage areas. They may also come with a time limit (ex. only available for purchase within the first 28 weeks of pregnancy or has a proportional length of waiting period) and benefit restrictions (ex. does not cover any complications during delivery). Thus, you should pay careful attention to the policy terms and conditions. Generally, it's much better to plan for pregnancy and secure maternity insurance ahead of time. Not only will you gain access to many more options at lower premiums, the underwriting process will also be easier. 

Looking for Maternity Insurance?

If you want to know more about maternity plans, feel free to contact one of our advisors and we'll be happy to answer any questions you may have. 

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