Maternity is an important topic in the choice of international health insurance for expatriates.
Some companies include maternity coverage as part of their standard care, others require a full product (with optical/dental).
You must not be pregnant to be able to subscribe to this coverage (even the CFE which accepts pre-existing conditions will refuse to cover you). All companies impose a waiting period of 10 months before releasing the amount relating to maternity.
To avoid unpleasant surprises, it is therefore necessary to plan well the date of conception.
Important: the newborn must be declared with a birth certificate within the 30 days following the birthdate. An abortion will only be covered if it is medically justified.
Frequently Asked Questions on Maternity Coverage in International Health Insurance
Of course, the cost of childbirth varies from country to country.
In the private sector, count between 30,000 and 60,000 USD in the USA, between 8,000 and 10,000 euros in Mexico and Brazil, between 5,000 and 7,000 euros in Chile.
In addition to this cost, there are monthly and in some cases weekly visits to the gynecologist, ultrasound scans (some doctors do not hesitate to do one per week for the last 4 months), childbirth preparation sessions, possible medications, other tests in case of complications, etc.
The amounts are very variable, ranging from 2,500 to 15,000 euros depending on the company and the product.
Companies generally distinguish between natural childbirth and surgical childbirth and allocate two different amounts.
Complications for mother and baby are covered. That said, you have to be very careful about the amounts. In the event of complication, the initial budget can indeed increase considerably.
Some companies cover complications under the maternity ceiling, while others consider them as hospitalization under the total sum insured under the contract.
Congenital illnesses that the baby may suffer from will be taken care of, as long as you do not forget to insure the baby within the first 30 days after the birthdate.