Is health insurance for pregnant women useful? How to buy it is better?

Health insurance for pregnant women is useful. As long as the insured meets the claim standard of the policy, the insurance company will make a claim according to the agreement in the policy, so you don't have to worry about the claim.

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Then the school sister will come to popularize science for everyone, and what matters need to be paid attention to when buying maternal health insurance! Not much nonsense, just dry goods!

If the partner wants to buy health insurance for pregnant women, it is best not to wait until after pregnancy to buy health insurance for pregnant women. Firstly, the premium will be more expensive, and secondly, there are not many products that can be insured after pregnancy. This is because the risk insured by pregnant women is higher than that of ordinary people, so the insurance threshold for pregnant women's health insurance will be higher.

Generally speaking, if the insured has been pregnant for more than 28 weeks, the insurance company will not underwrite it, which will increase the risk cost of the insurance company.

In addition, when purchasing health insurance for pregnant women, we should pay attention to the guarantee period of the products we buy to cover the whole pregnancy, so as to ensure that pregnant women are guaranteed throughout pregnancy.

If you want to know more about this topic, this article can't be missed:

What are the maternity insurance? How to buy insurance if you are pregnant?

Moreover, pregnant women's health insurance also has a waiting period, which is generally 90- 180 days. If the pregnant woman has an insurance accident while waiting, the insurance company is not responsible for paying the insurance money.

Therefore, if you buy pregnant women's health insurance after pregnancy, plus the waiting period, the child will almost be born, and the purchased pregnant women's insurance cannot protect the accidents and diseases during pregnancy. At this time, it is of little significance to buy insurance.

So how should I buy when I choose insurance? Senior teaches you:

Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.

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