Insurance for pregnant moms

[in8mom]

I just found out our policy needs to be in effect for 15 months BEFORE conception for a pregnancy to be covered!! Does anyone know of policies that will cover a pregnant woman for checkups and birth-- after the fact?

[sundaymorningstaple]

From what I know, it's doubtful unless you are currently not pregnant. Otherwise, I'd say you were probably out of luck. Didn't your Insurance Agent go over you policy with you when you purchased it?

[cbavasi]

That is actually quite standard in Asia. When we started thinking about baby #2 we were also told that we must have coverage one year prior to conception. We could have taken the cover b/c we ended up not having a baby until later - but who wants to plan it down to the day!
When you do the math for the extra coverage that you will pay for 2+ years it actually is quite close to what you might pay out of pocket. I can PM you a breakdown I sent to someone last year that will give you the rough costs. An important thing is to make sure you insure the baby as soon as they are born (if they are not already covered under your insurance) - they can usually be added instantly once the insurer receives payment (we did this from the hospital with credit card) under my existing policy (we have little coverage under my husbands policy).
On a side note, I also looked at cost of having my baby in the UK where my first was born under NHS and factored in housing, living, airfare...etc. And also in the US (which was going to be ridiculous if there were any complications) and again worked out best here in Singapore.

[shytjan]

Hi,

@in8mom
i actually have the same problems with you. I've just recently moved to singapore, havent got my insurance, neither my husband is. and I got pregnant. I have some problems with my pregnancy (bleeding inside uterus, and very low progesterone level). So I keep on going back and forth to visit obgyn in Gleneagles. Within less than 1 week, I've spent $1500. Unbelievably expensive!

Now am hoping if there would be any insurance company that could cover for me, given the situation that I am already pregnant.

So, if you have information at all regarding insurance companies that could do that, would really appreciate sharing it. Really need that.

Thank you

[durain]

once you are pregnant, i dont think there's any medical insurance that will cover you.

think about it, otherwise terminate patient will just buy lots of insurance for themselves.

[QRM]

Another two point worth remembering,

1. A lot of insurances does not cover you if you are over a certain age (I think its 44) when you get pregnant.

2. We had to suddenly fly to UK to have our baby when we discovered citizenship problem if she was born in Singapore, but our insurance was only valid in Singapore and not overseas, that was an optional extra which we could not activate after the discovery of being pregnant.