Top 7 Maternity Insurances for Expecting Mothers Today

Social insurance is a form of social insurance organized by the State to ensure the replacement or compensation of a portion of the income of workers when they are reduced or lost due to illness, maternity, occupational accidents, occupational diseases, retirement, or death, based on contributions to the social insurance fund.

There are two forms of participation in social insurance: mandatory and voluntary. However, to enjoy maternity benefits when giving birth, it is only available in the mandatory social insurance form. This type of insurance requires both employees and employers to participate. If you work for a company, you will be covered by social insurance, with both employees and employers contributing. You will receive full benefits as regulated by the State. Maternity benefits for giving birth are one of the benefits that female workers are entitled to when they fully and correctly contribute to the social insurance fund according to the Social Insurance Law.

The conditions for enjoying maternity benefits for expectant mothers are to contribute to social insurance for at least 06 months within the 12 months before giving birth. The social insurance contribution rate is 34%, with employees (for example, pregnant women) contributing 10.5%, and the rest contributed by employers is 23.5%. The mandatory monthly social insurance contribution is not less than the minimum regional salary. Normally, employees will contribute at the rate of the latest minimum regional salary, which is currently 4,180,000 VND (Region I). The specific contribution amount deducted from the salary is 4,180,000 x 10.5% = 438,900 VND.

Thus, female workers when giving birth not only have the right to take a 6-month maternity leave but also enjoy maternity benefits when giving birth: The benefit amount for one month is equal to 100% of the average monthly salary that was contributed to social insurance for 6 months before taking maternity leave. For example, the average salary for the 6 months before maternity leave is 4,180,000 VND, so when giving birth, the expectant mother receives maternity benefits of social insurance, which is 4,180,000 x 6 = 25,080,000 VND.

Furthermore, in social insurance, there are sickness, healthcare benefits, so expectant mothers still enjoy sickness and hospitalization benefits and medical examinations throughout the pregnancy.

Reference link: https://baohiemxahoi.gov.vn/Pages/default.aspx

As a reputable maternity insurance from VietinBank, VBI Care will bring absolute peace of mind to expectant mothers with attractive benefits. VBI Care is the health insurance program of VietinBank insurance company, in collaboration with many leading hospitals nationwide. By participating in VBI Care, you will receive comprehensive maternity benefits and the best care at prestigious hospitals at reasonable costs.

VBI Care offers superior advantages compared to other insurance packages. VBI designs diverse insurance packages and detailed insurance fees for each package. In particular, maternity insurance applies to the age group of 19 - 50. VBI Care will cover risks related to medical examinations during pregnancy, supporting childbirth costs at affiliated hospitals of VBI Care. With this insurance, there is no distinction between natural birth or cesarean section, but differentiation is based on treatment at public or private hospitals. At public hospitals, the reimbursement rate can be up to 100%, while at private hospitals, it applies a 70% - 30% insurance co-payment ratio.

Insurance benefits: VBI will reimburse the arising medical expenses, including the following cases:

• Childbirth (normal delivery, cesarean section, difficult delivery by specialized intervention):
  • Daily bed charges for services at public hospitals, private hospitals, and international hospitals, bed charges are limited to the lowest price of services at that health facility unless otherwise agreed;
  • Examination fees include: Doctor's examination, nursing care/midwife, ancillary diagnostics, normal medical consumables as prescribed by the doctor.
  • Childbirth assistance costs include: Prescription medications as prescribed by the doctor. Normal delivery assistance costs, normal delivery sutures. Costs related to specialized technical methods in difficult delivery or recognized surgical procedures by the Ministry of Health (except for cases: Cosmetic stitches/sutures, pain relief after delivery, care for the mother before and after childbirth, requested expenses.)

• Abnormalities during pregnancy
• Diseases arising from pregnancy-related causes
• Obstetric complications
• Postnatal care for infants:
  • Includes necessary medical expenses for the treatment of newborns related to diseases appearing within 7 days after birth, provided that the mother is still hospitalized.
  • Excluding hygiene expenses; personal items and food costs for babies; physiological jaundice; vaccinations of various types; examination, preventive medicine and screening or treatment of congenital/genetic diseases.

With the outstanding advantages of maternity insurance, choosing VBI Care for the upcoming childbirth process is a smart choice to save costs and ensure peace of mind for your family.

Reference link: https://m.evbi.vn/bao-hiem-suc-khoe-vbi-care

When it comes to Liberty, it's synonymous with one of the most generous maternity insurance packages in the market. The benefits enjoyed from Liberty maternity insurance can go up to 40 million VND, applicable to both natural and cesarean births. Maternity insurance differs from health insurance, but it offers similar benefits for expectant mothers with additional advantages and a higher price tag.

Liberty Maternity Insurance is, in fact, a supplementary benefit provided by the Liberty company for customers participating in Healthcare or Medicare health insurance. These products protect pregnant women during the maternity period with benefits of up to 40 million VND, applicable to both natural and cesarean births.

Insurance benefits:

• When joining Liberty Maternity Insurance, customers receive financial support for pre-delivery, delivery, post-delivery, mandatory miscarriage or abortion treatments, or complications arising from the insured person's pregnancy for normal or complex deliveries and the cost of postnatal care in the hospital. The maternity benefits vary depending on the specific health insurance package the customer subscribes to.

This can be considered the most comprehensive maternity insurance package among others on the market. With maternity insurance costs ranging from 2.8 million VND to 3.4 million VND, Liberty Insurance is also one of the affordable and high-quality maternity insurance options for mothers to consider.

Reference link: https://baohiemsuckhoeliberty.com/bao-hiem-thai-san-liberty/

Maternity insurance from Bảo Việt is essentially a supplementary benefit when customers participate in Bảo Việt An Gia health insurance, Intercare package, or the combined human insurance package from Bảo Việt insurance company. Customers must purchase the main clause, which is inpatient, and additionally buy the maternity benefits clause applicable from the Bạch Kim package and above.

With Bảo Việt health insurance, maternity benefits can go up to 31,500,000 VND/year, or customers can consider higher limit packages like Bảo Việt Intercare with maternity limit of up to 105,000,000 VND and worldwide insurance coverage. Depending on the main insurance product you join, customers will enjoy different supplementary maternity benefits.

Insurance benefits:

• Insurance purchase condition: 12 months before pregnancy.
• Waiting period: 90 days for cases of pregnancy complications.
• Insurance fee: 4.5 – 7 million VND.
• Insurance amount: 10-30 million VND/birth.
• Benefits:
  • Support for expenses related to childbirth plans (natural birth, cesarean section, and if there are complications during pregnancy).
  • Reduction of fees and surcharges if undergoing infertility treatment, abortion (compulsory due to life-threatening influence).

UIC Maternity Insurance offers attractive maternity benefits, supporting policyholders in choosing any suitable obstetric facility nationwide for both inpatient and outpatient services. The insurance can be purchased before pregnancy (no time limit). Waiting period: Giving birth after 270 days from the effective date of insurance. Insurance amount: 31.5 – 63 million VND. Insurance premium: 5 – 7,157,000 VND/month.

Insurance Benefits:

• UIC Maternity Insurance supports the payment of medical expenses for normal delivery, cesarean section, and all hospital fees for complications arising from pregnancy. In addition, each individual is also eligible for an additional allowance of 2 million VND for deliveries at public hospitals.
  • Supports 30% reimbursement if treated at private hospitals.
  • Provides a subsidy of 2 million VND for deliveries at public hospitals.
• Complications of pregnancy covered for hospital fee support:
  • Abortion, stillborn fetus.
  • Hydramnios.
  • Ectopic pregnancy.
  • Postpartum hemorrhage.
  • Retained placenta after childbirth.
  • Abortion due to treatment.
  • Complications of the above symptoms.

Reference Link: https://uic.vn/

Address financial concerns related to pregnancy, from prenatal check-ups, maternity care costs to childbirth expenses,... All these economic burdens will be resolved if you have maternity insurance. Get ready with Manulife Maternity Insurance to welcome your beloved baby.

Take proactive financial planning to ensure your baby is born healthy and safe. With the Manulife maternity insurance package, expectant mothers will be reimbursed almost all expenses during pregnancy, including normal or cesarean delivery costs, prenatal check-ups, pregnancy-related treatments, and complications.

Insurance Benefits:

• Receive maternity care at internationally recognized hospitals such as Pháp Việt, Mytour, Hồng Ngọc, Hạnh Phúc, Thu Cúc...
• Outpatient treatment coverage up to 100 million VND/episode
• Normal delivery insurance up to: 20 million VND/year
• Cesarean section and pregnancy-related complications coverage up to: 35 million VND/year
• Maternal life insurance before, during, and after pregnancy up to 800 million VND
• Free one-year inpatient treatment guarantee card for postnatal care for the baby.

Reference Link: https://www.manulife.com.vn/en/maternity-insurance.html

PVI Insurance's Maternity Insurance has garnered attention for its low insurance premiums and comprehensive maternity benefits, ensuring access to birthing services at major hospitals in Vietnam such as Từ Dũ, Mekong, and Việt Pháp. The eligibility criteria include not being pregnant at the time of insurance enrollment and planning to give birth within the next year.

Total waiting time: 270 days of pregnancy + time of prior insurance purchase. Insurance amounts (equivalent to 4 insurance programs): 8 million - 10 million - 16 million - 20 million VND per year. Premiums: 3-6 million VND per month.

Insurance Benefits:

• 8 million VND insurance: supports payment of 1.5 million VND/day for normal delivery, up to 8 million VND for cesarean delivery, and covers all hospitalization fees in case of maternity complications.
• 10 million VND insurance: supports payment of 2 million VND/day for normal delivery, 10 million VND for cesarean delivery, and covers hospitalization fees if complications arise.
• 16 million VND insurance: supports 3.2 million VND/day during normal delivery, 16 million VND for cesarean delivery, and covers hospitalization fees of 4 million VND/day in case of maternity complications.
• 20 million VND insurance: supports 3.5 million VND/day for normal delivery, 20 million VND for cesarean delivery, and supports 5.6 million VND/day for hospitalization fees in case of maternity complications.
• Complications covered include:
  • Fetal distress
  • Placental abruption
  • Prolonged labor
  • Abnormal fetal positions: breech, transverse
  • Preterm labor
  • Abnormalities related to the umbilical cord
  • Obstructed labor.

Reference Link: https://baohiempvi.com/en/maternity-insurance-pvi/