Maternal and child insurance usually provides certain insurance benefits for pregnant women's pregnancy diseases, childbirth death, fetal or neonatal death, neonatal congenital diseases or some specific operations, and these protection contents are increased or decreased in different insurance clauses.
Types of maternal and infant insurance
Maternal and child insurance, main insurance, can be insured separately. Pregnant women are the first insurer and newborns are the second insurer. The insurance period is generally short, and the common term in the market is 1-6 years.
Additional maternal and child insurance is usually added after female health insurance or life insurance. The insurance period and payment period are relatively long, and the age limit for insurance is small.
Requirements of maternal and infant insurance
Because the risk probability of pregnant women is much higher than that of normal people, insurance companies have strict requirements for pregnant women.
Maternal and child insurance, the main insurance, generally requires the insured to be between 18-40 years old and pregnant for less than 16 weeks (there are also 28 weeks in the market), and requires the expectant mother to have legal birth conditions and a birth permit.