Insurance for pregnant women when traveling abroad: features of registration, types and reviews

Currently, in our country there is a huge number of insurance companies that are ready to provide the necessary services at any time. Insurance of expectant mothers is a separate area of activity, to which the UK is very reluctant. The thing is that pregnant women are exposed to a much greater number of risks, compared to other categories of citizens, especially if it concerns long journeys. After all, in any emergency situation, the threat to health and life is created not only by the woman, but also by her future child. That is why only a small part of the company provides insurance for pregnant women when traveling abroad.

Benefits of insurance

Insurance for pregnant women when planning a holiday outside their homeland provides quite a few benefits.

It includes the following insurance programs:

• LCA for expectant mothers;
• Pregnancy and birth insurance when leaving for another country;
• International medical insurance.

In order to more clearly understand what advantages each type of insurance program provides, it is necessary to dwell on them in more detail.

Voluntary health insurance for expectant mothers

VHI is one of the most popular varieties of insurance programs in our country.

This travel insurance for pregnant women traveling abroad, allows you to calculate, based on the opinions of specialists, on:

• Free medical services;
• The ability to go through the diagnostic procedures outside the queue;
• Free call of the doctor at home;
• Free visit to the dentist.

LCA works in all European countries that are part of the Schengen area, so when you complete it, you get a full guarantee that you will always receive highly qualified medical assistance for free.

Insurance of pregnancy and childbirth when traveling abroad

Registration of this type of insurance involves great difficulties, as most insurers do not provide such services. In addition, this insurance for pregnant women when traveling abroad has certain limitations. This is because women who bear fruit are exposed to very many risks. As the reviews say, the terms of insurance are determined by the company individually, but the policy loses its validity at the 25th week of bearing the fetus.

International Health Insurance

MMC is one of the most high-quality and comprehensive insurance programs, which include the largest range of services.

According to this policy, the future mother can receive:

• Emergency medical care;
• Free scheduled examination, consultation and treatment in any country;
• Covering all expenses related to pregnancy and childbirth;
• The opportunity to choose any maternity home, a doctor and a birth team;
• Emergency hospitalization in case of onset of labor, as well as free painkillers;
• Free stay in the hospital after childbirth, as well as the necessary treatment, if necessary.

Thus, if you are late in pregnancy and plan to go abroad, then this medical insurance for traveling abroad pregnant is an ideal solution.

What items of expenses are not covered by insurance for expectant mothers?

Women in their reviews often pay attention to the fact that none of the programs for future mothers insurance covers the following categories of expenses:

• abortion;
• The birth of a child before the due date.

As for the latter, the insurance policy covers the costs associated with preterm birth if they were carried out because of the existing threat to the health and life of the mother or child.

Limitations of the validity of policies on the timing of pregnancy

A regular health insurance program covers all expenses related to pregnancy, namely the provision of emergency medical care, if the health and life of the fetus or mother is threatened. However, the policy is valid only until the twelfth week of pregnancy, after which it is canceled. This is spelled out in the contract, because the insurer does not want to take on additional risks.

Extended insurance for traveling abroad to pregnant women covers significantly more categories of expenses, up to 31 weeks of bearing the fetus. The amount of insurance payments under this policy, as experts say, can vary from 10 to 50 thousand euros.

Actions in the event of insured events

If during the stay abroad there is an insurance event stipulated by the contract, you need to contact the insurer's representatives on one of the phones specified in the policy and provide your personal data, insurance number, and the exact address of your current location. Representatives work in the 24/7 mode, so you can get help at any time of the day or night. The insurance for traveling abroad for a pregnant woman assumes full curation of the client throughout his stay at the medical institution.

What are the points to consider when choosing an insurance program?

Thinking about which insurance program to choose, the expectant mother should consider the following points:

• On what term of pregnancy insurance can be issued;
• Amount of insurance payments;
• During what time of stay in a foreign country the policy operates.

Equally important is the reputation and reliability of the insurer, but the above aspects are key.

Terms of insurance policies

Any insurance for pregnant women when going abroad, regardless of its variety, is valid for 12 months from the date of signing the contract between the insured and the insurer. At the same time, payment is carried out in full at the time of signing the documents. The policy applies for the entire period of stay abroad, from the moment of crossing the border to the return to the home country. If you are planning regular trips abroad, you can conclude a one-time insurance contract for a period of 12 months and use insurance services in each trip.

A few words about the pitfalls

Every insurance policy for pregnant women when traveling abroad insures against certain risks and covers certain items of expenses, therefore, in order not to be in an unpleasant situation, it is recommended that you carefully read the insurance contract when it is issued. Particular attention should be given to what cases the company recognizes as insurance.

Most insurers pay for the costs associated with hospitalization of the future mother in the hospital, if necessary, as well as the first appointment with a doctor and an urgent diagnostic procedure. At the same time, all expenses related to childbirth and the maintenance of mother and child in the hospital, abortion or premature birth are not compensated, unless they were artificially stimulated because of a threat to the health and life of the mother or child.

Which insurer should I choose?

Unfortunately, in the domestic market, not many companies provide insurance services to women who carry a child and are about to go abroad. The industry giants prefer not to contact this direction because of too great risks. Nevertheless, there are some insurers, through which insurance can be issued for pregnant women when traveling abroad.

"Liberty Insurance"

One of the Russian leaders in the field of providing insurance services. The insurer offers consumers the "Standard" program, which allows to insure future mothers with a pregnancy period not exceeding twelve weeks. The volume of insurance payments is 20, 50 and 100 thousand euros. Registration of insurance for two weeks, which applies to any country in the Schengen area, is one thousand rubles.

"Consent"

A small company offering future mothers a special program that allows them to insure themselves for the duration of their stay in a foreign country with a gestation period of up to 24 weeks. The policy covers all items related to the treatment and diagnosis of various pathologies, abortion in the event of a threat to the life of the mother, as well as measures to preserve the pregnancy. The maximum amount of insurance payments is 5000 euros.

Ingosstrakh

The insurance for traveling abroad to pregnant women in Ingosstrakh, in addition to the main items of expenditure, covers medical services for the treatment of allergic reactions, as well as sunburn. The amount of payments may be 30, 50 or 100 000 thousand EUR or USD.

IHI Bupa

It is a large Danish insurance company that provides various insurance programs around the world. Insurance for pregnant women when traveling abroad from IHI Bupa covers all costs associated with providing emergency medical care to expectant mothers whose gestation period does not exceed 36 weeks.

Registration of insurance policy via Internet

If you are planning a vacation abroad or a business trip, but there is no time to go to the offices of companies, then insurance for pregnant women when traveling abroad can be made online. To date, only three domestic companies provide this service:

1. "Liberty" - insurance for expectant mothers with a pregnancy period of up to 12 weeks when traveling abroad.
2. "Rosgosstrakh" is the basic program of insurance for pregnant women with a pregnancy up to 31 weeks, which covers the costs of emergency medical care.
3. "European Travel Insurance" - provides insurance services for future mothers whose gestation period does not exceed 31 weeks. In addition to the basic risks, it covers the costs associated with preterm delivery, as well as the provision of medical care and the maintenance of the newborn in the hospital.

For registration of the policy it is necessary to go to the official site of the insurer, fill in a special online form and pay the insurance contract.

To issue an insurance policy when going abroad or not is a matter for everyone. But it's better not to take risks, because anything can happen.