Buzz
Nowadays, many insurance agents offer specialized maternity insurance packages to meet diverse needs. Among them, Liberty maternity insurance, provided by Liberty agents, is a popular choice among expectant parents.
Is it possible to buy insurance when pregnant?
1. Understanding maternity insurance.
2. Participation requirements.
3. Benefits.
4. Insurance premiums.
5. Exclusion criteria.
6. Tips for purchasing maternity insurance.
1. What is Liberty maternity insurance?
Medical insurance covers community health concerns like illnesses, maternity, accidents, etc. Maternity insurance specifically caters to women preparing for childbirth, offering better benefits compared to general medical insurance.
Liberty maternity insurance, developed by Liberty insurance company, targets women planning for childbirth. This maternity insurance package by Liberty is divided into two smaller packages: Medicare and Healthcare, allowing customers to choose the most suitable insurance package.
2. Conditions for purchasing Liberty maternity insurance
Who is eligible for Liberty maternity insurance?
Not everyone can purchase insurance; each company specifies its own eligibility criteria. For Liberty maternity insurance, the conditions for purchase are as follows:
- Individuals aged 18 and above, as per birth certificate/ID card.
- Individuals who are not pregnant but intend to become pregnant. Therefore, purchasing maternity insurance while pregnant is not allowed. You need to buy it before getting pregnant.
3. Benefits of purchasing Liberty maternity insurance
Liberty maternity insurance includes premium Liberty Healthcare maternity insurance and standard Liberty Medicare maternity insurance. Depending on the package, the conditions and benefits will vary. It's essential to research thoroughly to make the right choice.
* Premium Liberty Healthcare maternity insurance
* Standard Liberty Medicare maternity insurance
- You can choose medical services during prenatal visits, childbirth, with insurance covering all expenses before and after childbirth up to 40 million VND.
- Insurance will cover treatment expenses if there are congenital defects, genetic factors, maternal health issues leading to miscarriage, or if abortion is recommended by a specialist physician.
- Insured individuals experiencing missed abortion, fetal demise, etc., will have all expenses covered by insurance.
- Covering newborn care expenses from birth until 30 days old. Therefore, insured mothers don't need to worry about childbirth and baby care costs.
4. Premiums for Liberty maternity insurance
Cost of purchasing Liberty maternity insurance
The premium for the premium Healthcare maternity insurance package offers more advantages compared to the standard Medicare package. Hence, the insurance premiums for each package vary and are categorized by age groups, programs, and regions. Specifically:
* Premium Healthcare maternity insurance
Healthcare insurance premiums are calculated in units of 1,000 VND
* Liberty Medicare maternity insurance
Liberty Medicare insurance premiums are calculated in units of 1,000 VND
5. Exclusions from insurance coverage
Similar to other types of insurance and insurance agencies, Liberty also specifies clear exclusion clauses. If you fall into any of these cases, you will not be covered by insurance:
- Individuals undergoing treatment for mental disorders, depression, neurosis, etc.
- Individuals undergoing surgery while the fetus is still in the womb
- Except upon physician's recommendation, hospitalization for diagnostic purposes, tests, X-rays, etc., will not be covered by insurance.
- Individuals undergoing treatment with mineral water, nursing care, convalescent care, treatment of congenital diseases or congenital disabilities.
- Individuals participating in professional sports competitions, races.
- Physical altercations
- Dental procedures
- Engaging in tasks involving exposure to hazardous substances, radiation, etc.
- Suicide, self-inflicted injuries.
- Routine health check-ups, undergoing preventive treatments
- Treating conditions related to stimulants.
- Cosmetic surgery
6. Considerations when participating in Liberty maternity insurance
Before deciding whether to purchase insurance, pay attention to the following:
- You need to thoroughly understand the rights, regulations, and conditions of the insurance to see if they align with your needs and financial situation.
- The Liberty maternity insurance package is explicitly stipulated to be 12 months (1 year).
- Pay attention to the eligibility conditions for insurance participation.
- When making the insurance contract, you need to declare truthfully to avoid situations where false declarations lead to insurance non-payment when incidents occur.
After exploring all relevant information about Liberty maternity insurance, you need to consider whether your needs are met and if the premium is suitable to make a decision on whether to purchase Liberty maternity insurance.
Similarly, Bao Viet maternity insurance also has clear regulations on benefits, conditions, and premium rates. You can further explore to get a reasonable answer if you're hesitant about purchasing Bao Viet maternity insurance.
