Help! Should I get a separate insurance just for maternity?

P

PreggerC

Registered User
My husband's company has AIA insurance which only covers 45K for cesarean section and only covers HKD600 per visit for specialists. Does anyone have the same policy and had a baby in HK? I plan to use Dr. Ghosh (Matilda) - any idea how much I will have to pay out of pocket?

And, whether it makes sense to get a separate insurance that covers 100% just for maternity. I know that there will be a 10-12mo. waiting period but if we're going to have to dish out something crazy like $50K it may be worth it right?

please help!
 
Depends on the type of room you are going for. Private room will definately be HK$100,000+. You can look at Allianz xpat insurance packages.
 
I had emergency c-section at Matilda, semi private room and was over $100,000 (just!). Just to give you an idea of what you may have to pay.
 
If you don't mind a 10 month waiting period, then go for Allianz International Health Plan (not the local plan with got limits again) - Hospitalisation Only/ Inpatient Only. It covers 100% of maternity expenses, including pre-natal, postnal visits, delivery cost, and newborn cover for a year.

Hope this helps!

Cheers,

Anita
 
maternity insurance

Hi Anita - thanks for your reply! I am a bit confused about the 10 mo waiting period. does it mean that they would only cover everything if I get pregnant 10 months later? Or does it mean that the expenses occured 10 mo after coverage starts will be covered? And would you mind sharing how much it would approx. cost? Thanks so much!

Cindy
 
Hi Cindy, it usually means you can only start TRYING after 10 months.

Our insurance coverage is with a company called Interglobal and we are paying between HK$30,000 to HK$40,000 a year (can't remember the exact figure). It is a company in the UK. They cover all maternity and specialist claims anywhere in the world except the US.

They cover 100% of the first claim and 90% of subsequent claims, so everything from obgyn visits, blood tests, D&Cs (touchwood you never have to do this of course!), hospitalisations due to the pregnancy etc.

Maternity insurance in HK is imperative unless you don't mind using public healthcare, which is basic but very good. Just no frills of course! If you have the opportunity to plan ahead definitely do it.
 
greatimp said:
Hi Cindy, it usually means you can only start TRYING after 10 months.

Our insurance coverage is with a company called Interglobal and we are paying between HK$30,000 to HK$40,000 a year (can't remember the exact figure). It is a company in the UK. They cover all maternity and specialist claims anywhere in the world except the US.

They cover 100% of the first claim and 90% of subsequent claims, so everything from obgyn visits, blood tests, D&Cs (touchwood you never have to do this of course!), hospitalisations due to the pregnancy etc.

Maternity insurance in HK is imperative unless you don't mind using public healthcare, which is basic but very good. Just no frills of course! If you have the opportunity to plan ahead definitely do it.
Click to expand...

Hi,
Greatimp - just sent you a PM. :)
 
I'm also confused...i've heard that the 10 month waiting is that cover cost incurred after 10 mo. waiting period.....
 
Allianz

Hi there, I have Allianz and the 10 month waiting period is for claiming.. hence you can fall pregnant 2 months after you enrol and claim for the birth... (given you have a normally termed pregnancy). They will not cover your antenatal check-ups etc until you have been with them for 10 months. Hope that clarifies.
 
I have just joined Allianz too (I was with another insurance company which only paid out 80% up to around HK$70,000). But I have noticed that Allianz's premium for 2007 has just gone up substantially. Anyone else notice that? I guess I shall have to start trying maybe in 6 months and hope to get pregnant within a few months - to avoid paying 3 years' premium.
 
I was on Alliance's website the a couple of weeks ago and noticed that the premium payable for Hong Kong has gone up by about 50%. The premiems payable for the other countries do not appear to have gone up that much. I wonder if this is because the medical fees in Hong Kong are notoriously higher than other countries.
 
I am afraid so. Other insurers like GlobalHealth and William Russell have also raised their premiums dramatically. I would have to say we are unlucky!
 
It's renewal time for us and just checked the William Russell premiums....YIKES! Have been doing a bit of research and Health International looks pretty attractive. The pay up to US$25K for pregnancy and maternity (Premium Plan) and William Russell only pay up to $10K (Gold plan) and the premiums are more or less the same. Anyone signed up with Health Int'l?

More info here on their different plans

http://healthcareinternational.com/...th-insurance-compare-FAQs/plan-comparison.pdf
 
RANI
can you tell me what your premium is at healthcareinternational and did you deal with a broker in Hong kong or directly with them?. I need to renew my medical insurance, but the price for allianz renewal is crazy!
thnks Cici
 
Cici,

My annual premium is US$1400 for the premium plan with a $1000 deductible. I dealt directly with them via email. Fairly easy. However, I haven't submitted a claim this past year so I can't comment on their service.

HTH
 
You must log in or register to reply here.
Back
Top