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Maternity insurance is a specialized insurance package for women planning to conceive and give birth, offered by many agencies. In the following article, let's explore the details of Bảo Minh's maternity insurance with Mytour before deciding whether to purchase it.
Purchasing maternity insurance while expecting
1. Understanding Maternity Insurance.
2. Benefits.
3. Insurance Fees.
4. Waiting Period.
5. Claim Process for Insurance Reimbursement.
6. Tips for Purchasing Maternity Insurance.
1. What is Bảo Minh Maternity Insurance?
Bảo Minh Maternity Insurance is one of the health insurance packages offered by Bảo Minh. With over 22 years of operation in the insurance sector, Bảo Minh has established a reputable brand in the market and among customers. Therefore, when participating in this insurance package, you can rest assured that your insurance claims will be paid if you comply with the conditions in the contract.
2. Benefits of Joining Bảo Minh Maternity Insurance
Benefits of Purchasing Maternity Insurance
Bảo Minh offers a variety of maternity insurance packages, so depending on the package you choose, you will have different benefits. Specifically:
* Inpatient Insurance:
- Coverage for inpatient expenses such as hospital bed, meals, medications, with a maximum duration of 90 days/year and a daily limit.
- Specialized treatment and care expenses: Enhanced facilities and care compared to regular rooms, with a maximum duration of 30 days/year and a daily limit.
- Surgical expenses including doctor's fees, medical equipment, surgical fees, limited annually.
- Ambulance expenses: Transport from your location to the hospital.
- Organ transplant surgeries such as liver, cornea, bone, heart valve, limited annually.
- Hospitalization allowances for treating illnesses/injuries
- Funeral expenses support
- Home-based post-discharge treatment with a maximum support duration of 30 days/year
* Outpatient Insurance
- Doctor consultation fees
- Prescription medication costs
- Laboratory tests and diagnostics at clinics, hospitals
- Physiotherapy expenses
- Treatment using various therapeutic techniques
3. Maternity Insurance Fees at Bảo Minh
Depending on the package and its respective benefits, the insurance fees vary from level 1 to level 5. It can be observed that maternity insurance fees at Bảo Minh for both inpatient and outpatient coverage are relatively low, ranging from 1,710,000 VND to 6,300,000 VND per package per year.
Maternity Insurance Fees (in VND)
4. Waiting Period for Bảo Minh Maternity Insurance
In addition to benefits and insurance fees, the waiting period is also a factor that policyholders need to consider when purchasing insurance. This ensures that you know whether you meet the insurance contract's conditions, thus being eligible for insurance cost support. Depending on the level of risks such as illness, childbirth, accidents, the waiting period varies, with the highest being 1 year.
The waiting period for maternity insurance is 270 days
5. Required Documents for Insurance Reimbursement
Once you have met all the conditions of the maternity insurance contract and want to claim insurance reimbursement, you need to prepare the following documents:
- Insurance reimbursement request form (as provided by Bảo Minh)
- Insurance contract or insurance certificate
- Birth certificate
6. Considerations When Purchasing Bảo Minh Maternity Insurance
Tips for Buying Maternity Insurance
According to people's experiences in buying maternity insurance, before purchasing insurance, you should consider the following tips:
- Research relevant information about maternity insurance, insurance contracts such as benefits, premiums, insured parties ...
- Understand the waiting period of the insurance. You need to buy insurance before pregnancy, counting from the time of purchase to at least 270 days before delivery to ensure you receive the benefits provided by the insurance.
- Choose reputable insurance agents in the market such as PVI maternity insurance, Bảo Việt maternity insurance, Manulife ...
Although Bảo Minh maternity insurance package is being chosen by many customers. However, you should also consider, carefully research whether this insurance package is suitable for your needs, financial conditions or not. Furthermore, you can also refer to more information about Should I Buy Liberty Maternity Insurance here.
