But in fact, it is not easy for pregnant women to buy insurance, because compared with ordinary people, pregnant women have greater risks. Whether before pregnancy, during pregnancy or after pregnancy, the risks they bear are many times higher than those of ordinary people, so many insurance companies do not accept insurance for pregnant women who are pregnant for more than 28 weeks. However, there must be a market if there is demand. Now there are many insurance products specifically for pregnancy and childbirth.
Ping An Insurance "Love My Family" Maternal and Child Protection Plan
Ping An Insurance Maternity and Maternal Protection Medical Security Plan
AIA's Safe Pregnancy and Excellent Pregnancy Program
Zhongan insurance expectant mother prenatal medical insurance
Xintai life expectant mother newborn insurance
Asia-Pacific property insurance good pregnant maternal and infant well-being protection
Fosun United Insurance Mamoru Hoshi Vaccination Insurance
Zhongan insurance pregnancy protection plan
Taikang insurance maternal and infant disease insurance
Yong 'an Insurance Maternal and Infant Ankang
Zhong' an insurance haoyunbao
These insurances for pregnant women basically cover the death caused by pregnancy or accidents, medical treatment of diseases during pregnancy, serious diseases of newborns, congenital diseases or some specific operations. There is basically one of these insurances, most of which are about 65,438+10,000 yuan, but the premiums are thousands of dollars. If we only look at each type of insurance, the coverage is not particularly comprehensive, and the slightly comprehensive premium will be three or four thousand yuan. It is recommended that you carefully consider and read the insurance clauses when choosing.
：
1. What are the risks of maternity?
Although the probability of birth risk is small, it is unbearable no matter who it is transmitted to. Common maternity risks include:
Pregnant mothers: such as abortion, pregnancy-induced hypertension, amniotic fluid embolism, postpartum depression, postpartum hemorrhage, etc.
Newborn babies: Due to genetic and environmental influences, newborn babies may face risk factors such as premature delivery, congenital diseases and jaundice.
For newborn babies, if they are born with intrauterine infection, abnormal breathing or premature delivery, they need to be accepted to NICU. If you are admitted to the hospital too early, the daily cost may be tens of thousands.
2. Can maternity expenses be reimbursed by insurance?
The whole pregnancy costs thousands or tens of thousands. It is also a great burden for ordinary families. See what insurance can be reimbursed.
Social security maternity insurance: employee social security includes maternity insurance, which can reimburse prenatal examination and delivery expenses, and can also receive maternity allowance, covering almost all the expenses of the mother in the hospital during pregnancy. This is a welfare given by the state.
Maternity insurance: it can cover pregnancy complications, pregnancy death, abortion and dystocia. And some can also cover neonatal deaths and congenital diseases, which is wider than the reimbursement scope of social security.
High-end medical insurance: Some high-end medical insurance also includes maternity protection. Its biggest advantage is that you can go to a private hospital to have a baby, but the cost is higher.
If you have enough budget, you can buy maternity insurance or high-end medical insurance on the basis of social security, which can not only give a better birth experience, but also reimburse various birth expenses.
3. Look at the scope of protection.
For example, maternal and child insurance includes insurance for congenital diseases, which does not necessarily guarantee that newborn babies will pay for congenital diseases. When applying for insurance, try to choose a wide range of insurance and list all kinds of insurance.
Because the risk probability of women during pregnancy is much higher than that of normal people, many insurance companies will conduct strict physical examination on their mothers. It usually takes 90 days after successful insurance. If you buy it, it is recommended to insure it before pregnancy, otherwise the insurance company may refuse to insure it in the second month of pregnancy.
How much does maternal and child health insurance generally cost?
The price of maternal and child insurance is generally around several hundred to one thousand. However, the cost of maternal and child insurance is related to the insurance rates set by different insurance companies.
5. Professional women generally have maternity insurance. The insurance premium is paid by the enterprise on a monthly basis, and the individual does not bear any expenses.
6. However, maternity insurance is only a kind of welfare, and it has its own limitations because it does not provide enough basic risk protection for mothers and babies. If you are worried about accidents such as abortion and pregnancy diseases, or if you are worried that newborns have congenital diseases, it is best to supplement the purchase of maternal and child insurance.
The above is my experience in buying insurance for children for many years, and I hope I can help you.
7. Risk of pregnancy
Only pregnancy complications, pregnancy death, medical expenses for pregnancy assistance, neonatal malformation, etc. They are all guaranteed, and the premium is relatively low, just a few hundred yuan. It can be purchased directly within/0/4 weeks of pregnancy (under 45 years old), and after/0/4 weeks of pregnancy, a prenatal report can be provided, and it can only be purchased after the underwriting is passed.
8. High-end medical insurance with reproductive responsibility
The cost of giving birth to a child can be reimbursed, but the premium is relatively high, and the annual premium is between 30,000 and 50,000. For consumer products, they must be purchased 10 ~ 12 months before pregnancy.
9. Female critical illness insurance
Women's critical illness insurance is specially designed for women, including major diseases of women, such as breast cancer, ovarian cancer and cervical cancer. And remove the insurance function that is not suitable for women in major diseases. Women's critical illness insurance can be matched with additional women's reproductive health insurance in the purchase process. It can not only provide protection for pregnant women, but also provide protection for major diseases and specific operations of newborns.
In addition, some countries have adopted social legislation to guarantee maternity insurance for maternity workers economically and materially, which is the basic guarantee. The main benefits are maternity allowance, maternity leave and medical services. For female workers during childbirth, it can ensure that female workers can obtain stable economic income and medical security during childbirth. Maternity insurance benefits generally include maternity allowance and medical treatment. It is suggested that on this basis, commercial insurance should be supplemented according to your own needs to make the protection more perfect.