If you are planning on having children you need to get Maternity Coverage. Most of the International Health Insurance companies apply Waiting Period for Maternity Benefits. The common waiting period is One Year. So most likely the insured can only get benefits from the Maternity Benefits from the second year in the plan.
Some International Health Insurances provide Maternity Benefits in the highest plan available; the others provide Maternity Benefits as Optional Benefits which can be added to the Basic plan.
This list should provide you with an idea of what is covered by your international maternity insurance:
• Normal delivery and Complicated delivery costs
• Pre and Postnatal treatment
• Medically prescribed caesarean costs
• Home delivery costs
• Home nursing costs in connection with home delivery
Some International Health Insurance provides a limited benefit for Congenital Birth Defect for New Born Child. The others only provide this benefit in the Optional Maternity Benefit. Congenital birth defects can be benign (birth marks, minor skin conditions) or life threatening, in some cases congenital birth defects can be extremely costly to treat. It is important to protect yourself in the event that your child is born with a costly medical condition.
Congenital birth defects can be characterized as being in one of four areas:
• Genetic.
• Structural or metabolic.
• Congenital infections.
• Heart and circulatory system defects.