{"id":891,"date":"2019-01-07T16:24:12","date_gmt":"2019-01-07T09:24:12","guid":{"rendered":"https:\/\/www.pacificprime.co.th\/blog\/?p=891"},"modified":"2019-01-07T16:24:12","modified_gmt":"2019-01-07T09:24:12","slug":"how-to-compare-maternity-insurance-plans","status":"publish","type":"post","link":"https:\/\/www.pacificprime.co.th\/blog\/how-to-compare-maternity-insurance-plans\/","title":{"rendered":"How to compare maternity insurance plans?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Thinking of expanding your family in Thailand? Congratulations! However, as an expat couple living abroad, you must take into consideration a couple of things before you even start trying to conceive. You probably already know the importance of having <\/span><a href=\"https:\/\/www.pacificprime.co.th\/plans\/health-insurance\/\" target=\"_blank\" rel=\"noopener\"><b>expat health insurance in Thailand<\/b><\/a><b>, <\/b><span style=\"font-weight: 400;\">and that you also need a separate maternity insurance policy to get maternity coverage. However, with so many options out there, how do you <\/span><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/step-one\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">compare maternity insurance<\/span><\/a><span style=\"font-weight: 400;\"> plans so you get the protection you need at a price you can afford? <\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s what you\u2019ll learn about in today\u2019s article from <\/span><a href=\"https:\/\/www.pacificprime.co.th\" target=\"_blank\" rel=\"noopener\"><b>Pacific Prime Thailand<\/b><\/a><span style=\"font-weight: 400;\"> &#8211; a locally licensed insurance broker.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:{&quot;1&quot;:0},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-2' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=couple\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-412\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2024\/07\/SEO-banner-General-expat.webp\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is maternity insurance?<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/maternity-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Maternity coverage<\/span><\/a><span style=\"font-weight: 400;\"> is a type of health insurance benefit that covers cost related to pregnancy and giving birth. Usually, maternity plans include prenatal and postnatal care, gestational diabetes screenings, laboratory tests, medications, hospitalization, all doctor and delivery fees, and newborn baby care. As you can see, there are quite a few things to keep in mind when you compare maternity insurance plans.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Be mindful of waiting periods<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Like with dental insurance, maternity plans come with a moratorium or waiting period. That means that you need to purchase a plan at least ten months to a year before you can claim any benefits on it. If you\u2019re working, check with your employer whether your company health insurance covers any costs related to maternity insurance, or think of topping up such an existing plan with maternity benefits. Our bottom line advice is to plan well ahead for pregnancy if you\u2019re an expat, as costs related to pregnancy in Thailand\u2019s private hospitals <\/span><a href=\"https:\/\/www.pacificprime.co.th\/blog\/2017\/05\/15\/maternity-insurance-thailand\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">can be very high<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read here what you can do if you\u2019re <\/span><a href=\"https:\/\/www.pacificprime.co.th\/blog\/2018\/02\/12\/thailand-maternity-insurance-can-purchase-youre-pregnant\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">already pregnant<\/span><\/a><span style=\"font-weight: 400;\">, but without an insurance plan in hand.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Know pregnancy, labor, and delivery costs in Thailand<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Knowing the cost of maternity-related procedures in Thailand is vital for you to understand how high your policy limits should be. For example, in Bangkok\u2019s <\/span><a href=\"https:\/\/www.bumrungrad.com\/en\/womens-center-obgyn-thailand\/packages\/delivery\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Bumrungrad International Hospital<\/span><\/a><span style=\"font-weight: 400;\">, for example, a standard delivery package costs THB 95,000, which at the time of this writing is nearly USD 3,000. A Cesarean section package in this hospital, however, costs as much as THB 149,000 (approximately USD 4664). <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Knowing this, if you want to have your baby delivered in one of Thailand\u2019s top private hospitals, your policy limit should be at least USD 5000 just to cover delivery, but in reality should be even higher to account for any possible complications that should arise.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4609,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;15&quot;:&quot;\\&quot;Arial\\&quot;,\\&quot;sans-serif\\&quot;&quot;}\"><div class='code-block code-block-8' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2023\/?campSource=PPTH-Blogutm_source=blogutm_medium=bannerutm_campaign=Blog_Bannerutm_content=COHI23\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-416\" src=\"https:\/\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2023\/06\/COHI-2023-WP-banners-Version-03.jpg\" alt=\"COHI 2023 Banner\" width=\"1138\" height=\"493\" \/><\/a><\/p>\n\n\n\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Details matter<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In the sections above, we talked about the two most common things that people look at when they compare maternity insurance. It\u2019s crucial to realize that maternity plans come with waiting periods, as well as to know how high policy benefit levels should be. However, insurance plans are not that simple as just these two points.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance plans can be written in a way that you may not exactly know exactly what\u2019s covered, up to how much, and what\u2019s excluded. That\u2019s why, when you want to compare maternity plans, you need to also look at the big picture.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">There could be pregnancy and newborn complications<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While we all hope that our pregnancy and baby will be healthy, sometimes complications arise. When they do, you will no doubt want to make sure that costs related to fully addressing them are covered. That\u2019s why it\u2019s crucial to read policy wording carefully, understand what certain benefits mean, and up to what limit you can use them.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What about your newborn baby?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s essential that your maternity plan also cover your baby after its birth. What benefits should you look for?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Newborn coverage:<\/span><span style=\"font-weight: 400;\"> This insurance covers all of the necessary treatments your baby will need right after he or she is born. Most plans only offer newborn coverage as a part of the maternity plan for the first seven days after the baby is born. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Congenital abnormalities: <\/span><span style=\"font-weight: 400;\">This benefit will cover costs related to any congenital issues, such as congenital heart defects, that might require special equipment, medication, or even surgery. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Newborn underwritten:<\/span><span style=\"font-weight: 400;\"> This feature allows you to add your newborn to your plan (a family plan, or a baby\u2019s own individual plan) without underwriting him or her. Underwriting means that, if your baby is born with health problems, they could be treated as pre-existing conditions, and therefore be excluded from coverage. Usually, you will have 30 days from the date of birth to add your newborn to your plan in order to avoid underwriting.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Final advice: Let experts compare maternity insurance plans for you<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With so many things to consider, it can be hard to compare maternity insurance on your own. The good news is that our insurance experts in the <\/span><a href=\"https:\/\/www.pacificprime.co.th\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><b>Pacific Prime Thailand<\/b><\/a><span style=\"font-weight: 400;\"> office can do it for you for free.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Feel free to <\/span><a href=\"https:\/\/www.pacificprime.co.th\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><b>contact us today<\/b><\/a><span style=\"font-weight: 400;\"> for a free quote, plan comparison, and insurance advice in Thailand. Further down the road, our team will also help you with any claims-related issues, and with the renewal of your plan.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:{&quot;1&quot;:0},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/step-one\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-417\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/05\/PPTH_Gen_01.jpg\" alt=\"Get a Quote CTA Banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thinking of expanding your family in Thailand? Congratulations! However, as an expat couple living abroad, you must take into consideration a couple of things before you even start trying to conceive. You probably already know the importance of having expat health insurance in Thailand, and that you also need a separate maternity insurance policy to &#8230;<\/p>\n","protected":false},"author":9,"featured_media":892,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[10],"tags":[672,435,537,701,434,705,630,148,702,703,663,704],"class_list":["post-891","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","tag-ban_cohi","tag-ban_cou","tag-compare-health-insurance","tag-compare-maternity-insurance","tag-cta_gen","tag-expat-health-insurance-in-thailand","tag-maternity-health-insurance","tag-maternity-insurance-thailand","tag-newborn-insurance","tag-newborn-underwriting","tag-pregnancy","tag-pregnancy-costs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to compare maternity insurance plans? - Pacific Prime Thailand&#039;s Blog<\/title>\n<meta name=\"description\" content=\"Learn how to compare maternity insurance plans and get the right coverage for pregnancy, labor, delivery, and newborn baby care.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.co.th\/blog\/how-to-compare-maternity-insurance-plans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to compare maternity insurance plans? - Pacific Prime Thailand&#039;s Blog\" \/>\n<meta property=\"og:description\" content=\"Learn how to compare maternity insurance plans and get the right coverage for pregnancy, labor, delivery, and newborn baby care.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.co.th\/blog\/how-to-compare-maternity-insurance-plans\/\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime Thailand&#039;s Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-07T09:24:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2019\/01\/Compare-maternity.jpg?fit=1138%2C493&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1138\" \/>\n\t<meta property=\"og:image:height\" content=\"493\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"elwira\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"elwira\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to compare maternity insurance plans? 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