Everythıng You Need To Know About Maternıty Insurance

Important Notice: The explanations are for informational purposes only and you can access current and detailed information at e-ikamet.goc.gov.tr.


Dear Foreign Health Insurance readers, in this blog post, we will discuss what you can do with the insurances you will need during your pregnancy, as well as what these insurances cover.

What is Maternity Insurance?

Maternity insurance is a type of health insurance to cover the routine checks, necessary tests and examinations during pregnancy, pregnancy complications, cesarean or normal deliver costs. You can benefit from private hospitals free of charge or at affordable prices with health insurance with maternity coverage.

Maternity insurance can be purchased as private health insurance with maternity coverage or complementary health insurance with maternity coverage. Maternity coverage must be added to the policy in order to cover your pregnancy and birth costs. 

When is the best time to purchase maternity insurance?

The most important thing to remember is that you should add maternity insurance to your policy before you become pregnant. In health insurance, there are waiting periods for birth insurance. This is due to the fact that most health insurance policies, which include maternity insurance coverage, are ready for use after a year. In other words, your pregnancy-related costs won't be covered until a year after you start receiving health insurance. 

If you have a pregnancy plan, you can inquire about the insurance company's current waiting period for adding maternity coverage. Then, you can make plans based on the waiting period and purchase additional or private maternity insurance.

Pregnancy insurance that is accessible after conception is only provided by a few insurance providers. Without a waiting period, maternity insurance is typically provided as maternity packages purchased separately from TSS and OSS policies. These can be more expensive. 

Three Types of Birth Insurance

There are three options for maternity insurance.

1- Private Health Insurance Maternity Package

A private health insurance maternity package is the first option. Private maternity insurance is personalized for each customer. The insurance provider will pay your expenses in accordance with the limits, the participation rate, and the contracted hospitals that you choose for your pregnancy and delivery, as well as the coverage you choose for those expenses. You have the option of choosing either a limited or unlimited maternity insurance plan here. 

Private health insurance offers a wide range of benefits. By paying an additional fee while purchasing this package, you can extend your insurance coverage to include newborn controls, ongoing controls during pregnancy, and treatment for potential pregnancy-related complications.

2- Complementary Health Insurance Maternal Package

Complementary health insurance is an additional choice when purchasing maternity insurance. Similar to private health insurance, there are prerequisites for complementary health insurance in order to receive maternity insurance. Firstly, the policy you will receive should have the outpatient treatment coverage option selected. The second prerequisite is that you shouldn't currently be pregnant.

Additionally, birth insurance waiting periods are shorter than those of private health insurances. There are choices, including 1 month, 6 months, and 12 months.

3. Maternity Insurance During Pregnancy (Without A Waiting Period)

Private health and complementary health insurance does not provide birth insurance if you are currently pregnant. However, if you are pregnant and want to purchase maternity insurance, you must do so with no waiting period. For people whose current pregnancy is still going on, Sompo Insurance and Demir Hayat Insurance offer maternity insurance without a waiting period. There is no waiting period for this insurance, which is the only distinction between it and the other two maternity insurance options.

Maternity Insurance Coverage

Maternity insurance coverage varies depending on the policy's limits and coverage, but generally speaking, the coverage is as follows:

● A doctor's examination and regular checks, blood and urine tests, sugar tests, ultrasonography, and other procedures are tests and assays you must have while pregnant.

● Birth: The birth guarantee covers both childbirth and surgical procedures. The costs of any complications that may arise during childbirth are additionally covered. 

● Postpartum illnesses: If you want to ensure the well being of your baby after birth, you can choose to purchase an additional policy. You can take preventative measures, such as incubation and jaundice testing, against diseases that could manifest after birth. You must have newborn health insurance in order to receive general medical care after giving birth. 

Does your maternity insurance cover the costs of your child?

To cover the costs in the event of any complications, such as your baby being incubated after birth, you must have newborn coverage under your private health insurance plan. 

Dear blog readers; Our customer service representatives, who are fluent in Turkish, Persian, English, and other languages, are available by phone to answer any questions you may have about pregnancy insurance, whether you are a Turkish national or a foreigner living in Turkey. They will be able to give you all the information you need and the best deals available. Your greatest asset is your health because it allows you to fully appreciate this life. Therefore, take good care of it and ensure your safety.

Remain healthy.

Please contact us at [email protected] if you would like to share your ideas or opinions with us.

Best Regards,

Residence Insurance Team,

Web Site  : https://www.e-ikametsigorta.com/

Contact    : +90 212 355 89 89

WhatsApp  : +90 530 468 20 03 

Adress    : Nispetiye Mah. Gazi Güçnar Sok. No:4 Kat:4 Ofis No:10 Beşiktaş, İstanbul         

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