Insurance for pregnant women when traveling abroad: design features, types and reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Currently in our country there are a huge number of insurance companies that are ready to provide the necessary services at any time. Insurance of expectant mothers is a separate line of business, which the UK is very reluctant to engage in. The thing is that pregnant women are exposed to significantly more risks than other categories of citizens, especially when it comes to long journeys. After all, in any emergency situation, a threat to he alth and life is created not only for a woman, but also for her unborn child. That is why only a few companies provide maternity insurance when traveling abroad.

Insurance benefits

Maternity insurance provides quite a few benefits when planning a holiday outside your home country.

It includes the following insurance programs:

• VHI for expectant mothers;
• pregnancy and childbirth insurance when traveling to a foreign country;
• internationalhe alth insurance.

In order to more clearly understand what benefits each type of insurance program provides, it is necessary to dwell on them in more detail.

Voluntary he alth insurance for expectant mothers

VHI is one of the most popular types of insurance programs in our country.

This travel insurance for pregnant women traveling abroad allows you to count, judging by the reviews of experts, on:

• free medical services;
• opportunity to go through diagnostic procedures out of turn;
• free house calls;
• free dental visits.

VHI works in all European countries that are part of the Schengen zone, therefore, by applying for it, you get a full guarantee that you will always be provided with highly qualified medical care completely free of charge.

Maternity insurance when traveling abroad

This type of insurance is very difficult to obtain because most insurers do not provide such services. In addition, this insurance for pregnant women when traveling abroad has certain limitations. This is because pregnant women are exposed to so many risks. As the reviews say, the terms of insurance are determined by the company individually, but the policy expires at the 25th week of gestation.

International he alth insurance

MMS is one of the highest quality and most complete insurance programs, including the largest list of services.

Under this policy, the expectant mother can receive:

• medical emergency;
• free scheduled examination, consultation and treatment in any country;
• cover all expenses related to pregnancy and childbirth;
• opportunity to choose any maternity hospital, doctor and maternity team;
• emergency hospitalization in case of onset of labor, as well as free painkillers;
• free hospital stay after childbirth, as well as necessary treatment, if necessary.

So if you are in late pregnancy and planning to travel abroad, then this maternity travel he alth insurance is the perfect solution.

What items of expenses are not covered by insurance for expectant mothers?

Women in their reviews often draw attention to the fact that none of the insurance programs for expectant mothers covers the following categories of expenses:

• abortion;
• premature birth.

With regard to the latter, the insurance policy covers the costs associated with premature births if they were carried out due to an existing threat to the he alth and life of the mother or child.

Policy limits based on gestational age

Regular he alth insurance program covers all costs associated withwith pregnancy, namely the provision of urgent medical care if the he alth and life of the fetus or mother is threatened. However, the policy is only valid until the twelfth week of pregnancy, after which it is cancelled. This is written into the contract, since the insurer does not want to take on additional risks.

Extended travel insurance for pregnant women covers significantly more categories of expenses, up to 31 weeks of gestation. The amount of insurance payments under this policy, as experts say, can vary from 10 to 50 thousand euros.

Actions in case of insured events

If during your stay abroad any insured event occurs under the contract, you need to contact the representatives of the insurer by one of the phones indicated in the policy and provide your personal data, insurance number, as well as the exact address of your current location. Representatives work 24/7, so you can get help at any time of the day or night. Travel insurance for pregnant women assumes full supervision of the client throughout his stay in a medical institution.

What points to consider when choosing an insurance program?

Thinking about which insurance program to choose, the expectant mother should consider the following points:

• at what stage of pregnancy can insurance be issued;
• insurance payments;
• how long stay in a foreigncountry has a policy.

Equally important is the reputation and reliability of the insurer, but the above aspects are key.

Terms of validity of insurance policies

Any insurance for pregnant women when traveling abroad, regardless of its type, is valid for 12 months from the date of signing the contract between the insured and the insurer. In this case, payment is made in full at the time of signing the documents. The policy is valid for the entire stay abroad, starting from the moment of crossing the border and ending with the return home. If you are planning regular trips abroad, you can conclude a one-time insurance contract for a period of 12 months and use insurance services on each trip.

A few words about pitfalls

Each maternity insurance policy when traveling abroad insures against certain risks and covers certain items of expenses, therefore, in order not to end up in an unpleasant situation, it is recommended that you carefully read the insurance contract when you draw it up. Particular attention should be paid to what cases are recognized by the insurance company.

Most insurers pay for the cost of hospitalization of the mother-to-be in the hospital, if necessary, as well as the first appointment with the doctor and an urgent diagnostic procedure. At the same time, all costs associated with childbirth and the maintenance of mother and child in the hospital, abortion or prematurechildbirth are not compensated, unless they were artificially stimulated due to a threat to the he alth and life of the mother or child.

Which insurer is better to choose?

Unfortunately, in the domestic market, not many companies provide insurance services to women who are carrying a child and are about to travel abroad. The giants of the industry prefer not to get involved in this direction because of the too high risks. However, there are some insurers through which maternity insurance can be issued when traveling abroad.

Liberty Insurance

One of the Russian leaders in providing insurance services. The insurer offers consumers the "Standard" program, which allows expectant mothers with a gestational age not exceeding twelve weeks to be insured. The volume of insurance payments is 20, 50 and 100 thousand euros. Registration of insurance for two weeks, which applies to any country in the Schengen zone, is one thousand rubles.

Consent

A small company that offers expectant mothers a special program that allows them to insure themselves during their stay in a foreign country with a pregnancy of up to 24 weeks. The policy covers all expenses associated with the treatment and diagnosis of various pathologies, abortion in the event of a threat to the life of the mother, as well as measures to preserve the pregnancy. The maximum amount of insurance payments is 5000 euros.

Ingosstrakh

Ingosstrakh insurance for traveling abroad for pregnant women, in addition to the main items of expenditure, covers medical services for the treatment of allergic reactions, as well as sunburn. The amount of payments can be 30, 50 or 100,000 thousand EUR or USD.

IHI Bupa

This is a large Danish insurance company that provides various insurance programs around the world. IHI Bupa's International Maternity Travel Insurance covers all emergency medical expenses for expectant mothers up to 36 weeks' gestation.

Issuing an insurance policy via the Internet

If you are planning a vacation abroad or a business trip, but do not have time to go to the office of companies, then the insurance for pregnant women when traveling abroad can be issued online. To date, only three domestic companies provide such a service:

1. "Liberty" - insurance for expectant mothers with a pregnancy of up to 12 weeks when traveling abroad.
2. Rosgosstrakh is a basic insurance program for pregnant women up to 31 weeks of gestation, which includes coverage for emergency medical care.
3. "European travel insurance" - provides insurance services to expectant mothers whose gestational age does not exceed 31 weeks. In addition to the basic risks, it covers the costs associated with preterm birth, as well asproviding medical care and keeping a newborn in the maternity hospital.

To issue a policy, you must go to the official website of the insurer, fill out a special online form and make payment under the insurance contract.

Whether or not to take out an insurance policy when going abroad is everyone's business. But it's better not to risk it, because anything can happen.