Maternity option: how does it work?


Maternity is an essential topic when choosing an international health insurance for expatriates.

Some companies include maternity coverage within routine care, others require the purchase of a complete product (with vision / dental, for example.).

You must not be pregnant to be able to subscribe to this guarantee. All companies impose a 10-month waiting period before covering maternity costs.

To avoid unpleasant surprises, it is therefore necessary to plan the date of conception.

A waiting period of 10 months is necessary to cover the costs of childbirth.

Maternity benefits include most of the following care:

  • Childbirth costs: hospitalization, private room, living expenses, medical and surgical fees.

  • If you choose a suite, you will have to pay the difference from a standard room.

  • Consultations, pharmacy, examinations and pre and post-natal care.

  • Postpartum physiotherapy.

  • Pre-delivery consultations. (performed exclusively by a doctor or midwife).

  • HIV testing, prenatal only.

  • Diagnosis of chromosomal abnormalities.

Healthcare is seen as a business in most countries in the Americas. The percentage of surgical deliveries is very high records in the private sector, which increases costs but also the health risks.

The world record belongs to Brazil, where the WHO registered 54% of caesarean births in 2011 in the public system and 80% in the private sector.

The rate of caesarean births increased from 14.6 to 19% in Bolivia between 2008 and 2012, and from 16 to 25% in Peru.

Caesarean deliveries account for 44% of births in the Dominican Republic, 43% in Colombia, 39% in Mexico and 37% in Chile.

In comparison, France has a caesarean section rate of 20%. Aside from the cost, it is important to specify that, during a surgical delivery, the risk of death to the mother is eight times higher, and that of the newborn developing a respiratory disease is 120 times higher.

The cost of childbirth varies depending on the country. In the US private sector, it can cost between 30,000 and 60,000 USD, between 8,000 and 10,000 euros in Mexico and Brazil, and between 5,000 and 7,000 euros in Chile.

To this cost must be added monthly, or even weekly visits, to the gynecologist, ultrasounds, preparation sessions for childbirth, medicine and other tests in case of complications, etc…)

The sums available for maternity vary from 3500 euros to 16,000 euros. The ceiling will be applied for all pre-natal expenses and childbirth.

Very Important: check under what conditions complications for mother and child are covered

This is a crucial point. Birth is costly but the complications on a newborn can be immensely expensive. A month in an incubator for a premature baby can cost tens of thousands of euros.

In general, if the mother is covered and the childbirth taken on by the insurance, congenital problems for the newborn will also be covered.

Important: the newborn, with a birth certificate, must be declared within 30 days of delivery.

An abortion will be covered only if it is medically justified.

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