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Childbirth expenses at hospitals nowadays significantly affect the financial plans of families, especially young couples, as the minimum cost for childbirth at the cheapest hospitals is 5 million VND (for a normal delivery package at the National Obstetrics and Gynecology Hospital).
And for mothers desiring to give birth under the best conditions at premium hospitals like Viet Phap Hospital, Hong Ngoc General Hospital, Vinmex General Hospital... the comprehensive delivery package can cost up to tens of millions of VND.
Therefore, buying insurance is considered a solution to help mothers save their money while also being able to enjoy the best maternity services at top hospitals nationwide.
However, there is a common concern among employees and voluntary health insurance participants: Should you buy additional voluntary maternity insurance if you already have health insurance?
Should you buy voluntary maternity insurance?
If you already have health insurance, should you buy voluntary maternity insurance?
Typically, when you've already purchased health insurance, mothers can use it to reduce some prenatal check-up costs and lower hospital expenses for childbirth nationwide.
However, the downside of health insurance is that the procedures for health insurance payment are quite complex, and for giving birth outside the registered hospital on the health insurance card, mothers often find it difficult to receive assistance.
Furthermore, most mothers opt for packaged childbirth services at hospitals, so the amount saved is not significant because for service childbirth cases, the health insurance card only covers bed costs.
Therefore, to be able to receive prenatal care, childbirth according to their preferences, and enjoy the best childbirth services, mothers should buy voluntary maternity insurance.
What is voluntary maternity insurance?
Voluntary maternity insurance is a special form of health insurance that applies only to pregnant women giving birth. Voluntary maternity insurance has the following characteristics:
- It has a term of only 270 days to 12 months
- It is effective only when purchased before pregnancy
- You can give birth at any hospital and still be reimbursed as prescribed
Therefore, if you intend to purchase voluntary maternity insurance to save money when giving birth, you must purchase insurance before becoming pregnant and plan your pregnancy so that the baby's birth date falls within the insurance period.
How much does maternity insurance cost?
Maternity insurance is offered by various insurance companies, and the cost of maternity insurance ranges from 1 million VND to 4 million VND depending on the level of benefits (from 10 million to 40 million VND), and depending on the insurance company in the market.
Currently, there are quite a few insurance companies in the market offering maternity insurance packages, but Bao Viet maternity insurance package, Liberty maternity insurance package, PVI maternity insurance package, and Prevoir maternity insurance package are among the best maternity insurance packages highly rated by many mothers on famous parenting forums.
Check out Which insurance company offers the best voluntary maternity insurance?
Hopefully with the information above, you have a better understanding and can decide whether to only buy health insurance or also buy maternity insurance.
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