Insurance for Newborns

One of the most common issues that we see with regards to insuring infants is that mothers wait too long to obtain maternity insurance. In this case, waiting periods usually determine that mother and child will not be able to receive benefits for pregnancy, labor and delivery. Whether you end up in this situation or not, a health insurance plan for your newborn for after it’s born is always a good idea.

Below are some of the important points to remember when shopping for newborn health insurance coverage in Dubai:

Unconditional acceptance

If you have a comprehensive health insurance plan in place for yourself, you can sometimes guarantee that your newborn can be added to your plan regardless of their health status. Once you have contacted your insurance company to inform them of your new addition, they can ensure that your baby has medical insurance shortly after birth. This is not to say, however, that insuring your new baby will be free of charge. Including him or her on your insurance will result in higher premiums.

Windows of opportunity

If you do have maternity insurance, it is not always as imperative to obtain separate health insurance coverage for your baby directly after birth. This is because some maternity insurance plans include coverage for the infant up to 30 days following their delivery. Of course, the level of benefits provided by this coverage may vary, and can be somewhat low, so be sure to check your policy documentation. Also note that waiting until after birth to obtain health insurance could result in the rejection of the application.

On the other hand, there are maternity policies that do not provide any coverage after the baby is born. They will cover delivery, costs related to the immediate stay in the hospital, and costs stemming from any complications from delivery or prenatal care. Beyond this, the policy effectively ends.  Failing to arrange for newborn health insurance prior to delivery in this circumstance, again, could lead to rejection of the application.

Complications

The worst nightmare of any new parent is that their new baby will be born with a serious medical issue. Nevertheless, complications do occur, so it’s best to be as prepared as possible in order to address their potential costs. After all, complications are generally the most costly events that could happen during a delivery. This is not the time to be caught off guard by maternity insurance that doesn’t provide benefits for complications following delivery.

Conditions considered to be congenital birth defects are:

• Metabolic defects

• Structural defects

• Immune, circulatory, or respiratory system defects, etc…

• Genetic defects

Some of these types of conditions can be addressed soon after birth, while others may stay with the child throughout their entire life. As such, having quality health insurance in place as early as possible is necessary to make sure that any conditions are not counted as pre-existing on a lifelong basis.

If you have any questions about how international health insurance can help your newborn, please contact Pacific Prime Dubai today. Our agents will gladly provide you with all the information you need, including plan comparisons and a free price quotation.