Do you know what your health insurance covers during pregnancy, birth and afterwards?

Sigortam.net addresses families planning a baby: Do you know what your health insurance covers during pregnancy, birth and afterwards?

Health insurance is one of the most important issues for families dreaming of having a baby. Sigortam.net draws attention to the importance of planning pregnancy, birth and postpartum processes in advance and shares useful information that new parents-to-be should definitely take into consideration for health insurance.

Sigortam.net, Turkey’s most trusted digital insurance platform, underlines the additional packages and coverage that can be added to health insurance for those who want to have a baby and expand their family in the new year. The health of both mothers and babies can be secured with maternity, newborn and infant health insurances preferred according to needs.

Ataman Kalkan, CEO of Sigortam.net, said the following in his statement on the subject;

“Securing our family, especially a new baby joining the family, is a priority for all of us. If you do not have any health insurance or additional coverage on the subject, the costs of birth and health check-ups are quite high in today’s conditions. As Sigortam.net, we would like to remind you that expectant mothers and fathers can have the freedom to choose the hospital and doctor of their choice without any financial worries. We guide our customers to feel informed and safe in a complex world such as health insurance. Families can easily find insurance products for all pregnancy, birth and postpartum processes on the Sigortam.net website and evaluate the most suitable option for them by comparing the coverage.”

Here are the scope and advantages of the insurance products you will need for pregnancy, birth and postpartum periods:

Maternity Insurance: It is a type of coverage that covers weekly and monthly check-ups required for the health of mother and baby during pregnancy, expenses arising from the type of delivery (caesarean section or normal delivery), puerperium and newborn checks. Health insurance with maternity coverage allows you to benefit from private hospitals free of charge or at affordable prices.

The maternity package can be added to private health insurance or purchased as maternity coverage in addition to complementary health insurance. Complementary health insurance, which is a type of insurance supported by SSI, also offers the opportunity to benefit from qualified health services in private hospitals. Moreover, the premium to be paid in case of complementary health insurance for childbirth will be much lower than private health insurance.

The most important issue to be considered when taking out maternity insurance is to add this coverage to the policy before the pregnancy process begins. Because health insurances that include maternity insurance coverage are usually prepared to be used after 1 year in the policy. Although there are products with no waiting period, for both Private Health Insurance and Complementary Health Insurance, there is a price difference between taking out insurance after becoming pregnant and the maternity coverage added to the policy before becoming pregnant.

Newborn Coverage: Newborn coverage is included in Maternity Insurance and is of short duration. With this additional coverage, the first postnatal examination of the baby can be covered by the insurance company free of charge. The newborn coverage, which can be used for birth procedures performed at contracted health institutions, becomes active upon the birth of the baby. The health services that the coverage can cover are generally listed as incubator, routine follow-up, newborn vaccinations, tests and examinations.

Infant Health Insurance: In different types of infant health insurances, the costs of the treatments needed by babies within the scope of insurance are generally covered by insurance companies. Thus, families can receive health services for their babies without paying treatment fees in private hospitals.

Babies are included in the insurance system by making additions to the mother’s insurance both in the womb and when they are born. Babies do not have a separate policy in their own name and all transactions are carried out through the mother’s policy.

Infant insurance, which becomes active upon birth, can also be included in Family Insurance. In Family Insurance products, private or complementary health insurance policies can be taken out to cover family members and provide significant advantages. However, if there are new members joining the family or if a new marriage has taken place, the new spouse, newborn or adopted child must be documented in order for these individuals to be included in the insurance coverage. The application date should not exceed 1 month from the date of marriage, birth or adoption.

What is covered by private health insurance for babies?

A range of health services such as outpatient treatment, inpatient treatment, intensive care procedures and home care services are included in the infant private health insurance. Generally, in infant insurances, expressions that do not appear in adult insurances such as incubators may be encountered.

Complementary Health Insurance for Babies: While complementary health insurance, which can be used in hospitals contracted with the Social Security Institution (SSI), allows people to receive services without paying a difference fee; complementary health insurance for babies can be active as of the 15th day after birth. For insurance transactions that can be made through the mother, special coverage such as newborn coverage is generally not required in complementary health insurance.

To purchase health insurance products covering pregnancy, childbirth and postnatal periods from Sigortam.net, which aims to raise insurance awareness in the society and make complex insurance products more understandable and accessible, or to obtain more detailed information on policy selection, please visit www.sigortam.net or contact our expert insurance consultants at 444 24 00.