About maternity coverage included with Navigator International Health Insurance
This video describes the top-of-the-line maternity benefits provided on the Navigator international health insurance plan.
The Navigator international medical insurance plan has great maternity benefits and is also the best plan we have for those looking to adopt. Maternity benefits are going to come in the form of a rider, which is an addition to coverage. It is a monthly premium for each of the parents when you add this to coverage. The maternity rider has a twelve month waiting period before the benefits are available. The first year there are no maternity benefits, so at the first renewal and any other renewal you can just add the maternity benefits as needed. So the maternity rider can be added at renewal even if you are pregnant in the first year, which is really great!
The maternity benefits, when you have a child and when your baby is born, they are automatically covered for the first 31 days after birth. That’s with the maternity rider. There is no extra deductible on maternity benefits and all the expenses are included in the policy as covered as any other illness.
So what if you don’t have maternity insurance, and you have a newborn baby? If you add your little one within the first 31 days from birth, they are actually automatically accepted to the policy as a dependent. There will be no medical underwriting or anything like that.
Considering international adoption?
Likewise, if you adopt a child overseas, you can add them in the first 31 days from adoption, and they can also be automatically added to your coverage as a dependent.
If it has been after 31 days from birth or from adoption, then you have to submit an application for your baby or child and they will actually have to go through underwriting, which means that they could be declined or you could have a rate increase. But again, there are no exclusions for any conditions.
With maternity insurance, you will have coverage for your baby in the first 31 days after birth and you can automatically add them to your coverage. Even if you don’t have the maternity rider, can still add them to your coverage, but you are going to have to pay the maternity expenses. This might be an option if you have the baby overseas, if they have good hospitals that are relatively inexpensive, you are healthy, and have no complications. You still have the option of adding your baby, or even adding a child who was adopted, to your family’s long-term Navigator international medical insurance policy.
I hope we explained the basic benefits of the maternity insurance rider, which is a top recommendation for those looking for maternity insurance benefits. There is more information on our website, and our specialists here can answer your questions and help you decide if this is best for you. Of course, if you have any other questions about anything else, you can always contact us and we can send you information or provide the information over the phone.