First of all, remember that short-term insurance plans do not provide maternity coverage. If you want maternity coverage, you will need to apply for a long-term (career) plan. Also keep in mind that the maternity coverage will not be effective until you have been on the plan 12 months. Conception may happen before the 12 months are up, but the delivery of the baby will only be covered if the birth takes place after you have been on the plan 12 full months.
Check how much the insurance company allows per pregnancy. Some companies limit coverage for maternity to $4,000, others $7,500, and others put a lifetime limit of $50,000. If you plan to have your babies overseas, $4,000 would be adequate in most cases. If you plan to give birth in America, you should have a plan that will cover up to $6,000 per delivery.
Another important matter to keep in mind is insurance for the baby. In the USA all insurance companies guarantee insurance for a baby if the mother is insured and if the application papers are submitted within 31 days after birth. That is not the case with international plans. Some plans require the baby to go through underwriting; and if the baby is born with a deformity, that baby can be declined coverage. Other plans guarantee that an unhealthy newborn will be insured if, in the first 31 days of life, the proper application is submitted to the insurance company.
Good Neighbor Insurance has six different international health insurance plans from four different companies that provide maternity coverage. Please contact us concerning these plans.
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The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.