Can't be insured separately! However, there is a kind of insurance for pregnant women (that is, to protect children). For couples who plan to have an "Olympic baby" in 2008, protection should be done in advance. If you are pregnant and then buy insurance, there are not only a few types of commercial insurance to choose from, but also many restrictions on pregnancy time and physical conditions. Xiaojinzhu was born in 2007. What was born in 2008? Olympic baby, of course! Now, many couples hope to have an "Olympic baby" next year, so that the new life can enjoy the blessings of the whole world. Because the concept of "Olympic baby" is more meaningful than the golden pig golden monkey, if the baby can be born on August 8, 2008, so that the baby can be fashionable and auspicious at birth, in the cheers of more than one billion people, "Cygnus, like the Beijing Olympic Games, is commemorated on the same day as the Beijing Olympic Games, and our baby will certainly grow up healthily!" Although medical technology is changing with each passing day, the situation that pregnant women are high-risk groups has not changed. Therefore, it is particularly important to choose suitable insurance for expectant mothers to ensure the safety of mothers and babies. But in the choice of insurance, many expectant mothers are at a loss. For couples who plan to have an "Olympic baby" in 2008, it is still necessary to make preparations in advance. If you are pregnant and then buy insurance, there are not only a few types of commercial insurance to choose from, but also many restrictions on pregnancy time and physical conditions. Health insurance: You must buy insurance before you get pregnant. In another two months, Mr. Wang's baby will be born, but because his wife is older when she is pregnant, she is worried about increasing the risk during childbirth. The wife is a full-time wife and cannot get maternity insurance protection. Mr. Wang consulted Ketou, hoping to buy a suitable commercial insurance for his wife and future baby. There are not a few people like Mr. Wang who want to buy insurance for expectant mothers when the baby is about to be born. However, because the risk probability of pregnant women is higher than that of normal people, insurance companies have stricter requirements for pregnant women. Not only do pregnant women need higher insurance premiums than ordinary people, but all insurance companies will refuse to cover pregnant women who are pregnant for more than six or seven months and can only postpone them until eight weeks after delivery. It is understood that China Life will not accept pregnant women over 12 weeks, and Jinsheng Life will take 32 weeks as the dividing line, and safely cancel this time limit, only stipulating that the cumulative insurance coverage of pregnant women's life insurance will not exceed 300,000 yuan. Even for people who are less than six or seven months pregnant, because general life insurance has an observation period of about two months, most types of insurance, including accidental injury insurance and critical illness insurance, will not be covered. Generally speaking, ordinary life insurance, accident insurance and critical illness insurance clearly list all kinds of accidents and diseases caused by pregnancy as responsibilities, and only accept ordinary insurance types that do not include the liability for insurance accidents caused by pregnancy. Of course, this does not mean that pregnant women cannot be insured. At present, although there is no insurance specifically for pregnant women, many companies have introduced female health insurance that can protect diseases during pregnancy and risks during childbirth, and only require the insured to buy it before pregnancy or early pregnancy. For example, Xinhua Life Insurance "Huili Life Insurance Plus Female Reproductive Health Insurance", Taiping Life Insurance "Anbao Insurance Plan" and China Life Insurance "Maternal and Child Health Insurance" are all aimed at expectant mothers who are less than 28 weeks pregnant. It is worth noting that women's insurance, as a kind of health insurance, has a certain observation period, and the insurance contract takes effect after 90- 180 days. In other words, if a woman buys this kind of insurance after pregnancy, it is often possible that the child will enter the insurance period of the contract after birth, so that accidents and diseases during pregnancy cannot be guaranteed. In addition, although some women's health insurance products launched by Ping An, Jinsheng, AIA and other insurance companies not only provide protection for women's unique diseases, but also provide special protection for some common diseases during pregnancy and neonatal diseases, which not only meets the protection needs during pregnancy, but also suits women's protection in other daily lives. However, since this kind of insurance usually stipulates that pregnancy and neonatal diseases will not be covered until one year after the contract comes into effect (or re-insurance), the insurance accidents that occur during this waiting period are not within the insurance responsibility of the insurance company. Therefore, it is best to insure women's insurance including pregnancy protection one year before pregnancy. Social Security+Maternal and Infant Insurance Mr. Wang, 28, learned that his wife was "happy" last month-she was pregnant for more than two months. A friend reminded Mr. Wang that there is maternity insurance now, which can not only solve some production costs, but also provide some protection for the risks faced by mothers and babies. However, the young couple asked several insurance companies, and the other party either said that there was no special maternity insurance or recommended Mr. Wang to buy some long-term maternity insurance. He wants to know how to provide insurance for his wife and unborn son. In fact, maternity insurance is a very general statement. The so-called maternity insurance mainly includes social security and commercial insurance. In social security, maternity insurance for female employees is bought in the same unit as unemployment insurance and work injury insurance. Within the scope of commercial insurance, commercial insurance is divided into two types: group insurance purchased by units and commercial insurance purchased by individuals. Social security and group insurance mainly solve maternity medical expenses, and personal commercial maternity insurance mainly provides some protection for maternal and child risks. Mr. Wang went to his lover's company to ask about social security and group insurance, and learned that she had social security and no group insurance. Social security stipulates that maternity insurance has a certain scope of payment. The social security of Mr. Wang's wife starts from 1800 yuan, and the maximum is 40,000 yuan, of which the expenses that meet the social security requirements can be reimbursed. Including maternity allowance and prenatal check-up fee, delivery fee, operation fee, hospitalization fee, treatment fee and medical fee during normal maternity leave. The rest can be supplemented by commercial insurance. At present, maternity insurance is generally divided into three types: short-term products sold independently, maternity insurance attached to main insurance, and additional insurance attached to women's insurance. The common feature of these products is that they protect both the mother and the baby (or fetus), but the protection is mainly aimed at women-specific diseases, the death of the mother due to diseases during pregnancy and the death and disability of the baby. For expectant mothers who are pregnant, they can apply for maternal and child health insurance specially designed for pregnant women and soon-to-be-born babies. This insurance is applicable to pregnant women aged 20 to 40 who are less than 28 weeks pregnant. On the one hand, this kind of insurance protects pregnant women from diseases during pregnancy, childbirth or accidental death, on the other hand, it also pays certain insurance money for the death of fetus or newborn, congenital diseases of newborn or some specific operations. In addition, some insurance companies have introduced additional maternity insurance, which is not sold separately, but as an additional guarantee. Although many insurances allow expectant mothers to buy, it is uncertain whether they can enjoy protection. Part of the supplementary maternity insurance stipulates that the starting point of maternity protection will not take effect until 10 months after the contract takes effect. For example, only babies who suffer from pregnancy syndrome for the first time after the contract comes into effect 10 months and are born after the contract comes into effect 10 months will be guaranteed.