China Health Insurance is China’s leading maternity insurance intermediary. We work with more than 60 leading international health insurance companies and are able to offer both expatriates and Chinese nationals the widest range of choice for their maternity insurance coverage in the whole of China.
Maternity health insurance policies are the best way to protect yourself against the costs associated with giving birth both in China and elsewhere around the world. Holding a maternity insurance policy from China health insurance will enable you to receive maternity services at the best hospitals in the world; if you are in China you can use the exceptional facilities of a hospital like Beijing or Shanghai’s United Family Hospitals, or you can even elect to travel overseas and use, for instance, the pregnancy services at a hospital like Hong Kong’s Matilda Hospital.
With a Maternity medical insurance plan you are always assured of having the extensive pregnancy and maternity related support you deserve, no matter what.
China Maternity Insurance Coverage
Maternity medical insurance plans from China Health Insurance will normally afford you with an extensive range of coverage benefits. While the specifics of the policy may change depending on the insurance company you elect to purchase your plan from there are a number of benefits of this type of coverage that can generally be found with all of the international insurers we work with.
Coverage under a private health insurance plan may include protection for the costs associated with:
- Prenatal and Postnatal treatments and examinations
- Routine Deliveries without Complications
- Deliveries with Complications
- Medically prescribed C-Sections (Caesarian Sections)
- Delivery after fertility treatments
- Home Deliveries
- Hospital Deliveries
However, it is important to note that in some cases it may be possible for China Health Insurance to arrange even higher levels of protection for you under a maternity insurance policy. In some cases it may even be viable to include benefits for the coverage of such concerns as Fertility Treatments under your policy.
Please consult with one of our expert China Health insurance brokers if you would like to enquire about further extending your Maternity Insurance plan to include coverage benefits not listed on this page.
Maternity Insurance Waiting Periods
Before obtaining a health insurance plan it is important to understand how waiting periods will affect you.
Maternity insurance coverage will almost always be attached to a waiting period. This is the length of time which you must have held the policy for prior to being able to claim for a specific coverage benefit. Under a maternity insurance policy in China this waiting period will normally be applied in one of two ways:
Waiting Periods from the Start of the Plan
A Maternity Insurance waiting period which occurs From The Start of The Plan will mandate how long you must have been on the policy before you are able to receive coverage under the plan’s maternity benefit.
For example, if your maternity insurance plan in China has a waiting period which occurs 10 months from the start of the policy, then you must have held the plan for at least 10 months in order to receive coverage for any pregnancy related treatment – including the delivery of the child. Pregnancy treatment and Maternity Treatment received prior to the completion of the waiting period cannot be claimed for after the 10 months has expired – only treatment received after completing the waiting period can be claimed for under the policy.
If a plan has a waiting period which occurs From The Start of the Plan then this will usually be around 10 to 12 months from the time which you first purchased the policy. While the actual length of the waiting period will vary depending on the insurance company you choose to work with it is common that From The Start of the Plan waiting periods will not be longer than a single policy year (12 months from the time of purchase).
From the Start of the Plan waiting periods are the most common in relation to a maternity insurance coverage benefit.
Waiting Periods that Last Until Conception
A waiting period which occurs Until Conception will mandate how long you must have been on the policy before you are able to conceive, if you wish for the pregnancy to be covered under the plan.
For example, if your maternity medical insurance plan in China has a waiting period which is levied on an Until Conception basis, and the length of the waiting period is 12 months, then you must have been only the policy for 12 months before you can conceive a child if you would like the pregnancy to be covered under the policy.
Only conceptions occurring after the waiting period will be covered under a waiting period which is placed on the policy Until Conception. Conceiving a child 10 months from the start of the plan will mean that the pregnancy, and consequently the delivery, is not eligible for coverage under the policy if the waiting period is 12 months Until Conception.
All Maternity Insurance policies from China Health Insurance will normally include a waiting period; however the specific details of the waiting periods will tend to vary between insurance companies. As such it is important that you understand the waiting periods on your China maternity insurance policy and plan accordingly.
For more information about Waiting Periods generally found on China Health Insurance plans please click China Health Insurance Waiting Periods.
Maternity Insurance Newborn Child Coverage in China
In many cases a Maternity Medical Insurance policy in China will allow for the coverage and protection of a newborn child under the plan.
China Health Insurance can provide comprehensive medical insurance plans which include coverage for both Newborn and Maternity protection.
For more information about newborn child policies please click Newborn Child Insurance in China.
Maternity Health Insurance Quotes
To receive a free quote for a maternity insurance plan in China all you need to do is fill out the short form at the top of this page. Our expert advisors will then contact you with a comprehensive comparison of all the plans best suited to meet your individual needs.
Alternatively, you can also Contact Us to speak with a China health insurance broker directly. Whatever your questions, we will be more than happy to help assist you in finding the best pregnancy insurance coverage.