{"id":2676,"date":"2021-01-19T09:00:16","date_gmt":"2021-01-19T01:00:16","guid":{"rendered":"https:\/\/www.pacificprime.hk\/blog\/?p=2676"},"modified":"2021-12-17T12:18:19","modified_gmt":"2021-12-17T04:18:19","slug":"the-ultimate-guide-to-maternity-insurance-for-expats-in-hong-kong","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/the-ultimate-guide-to-maternity-insurance-for-expats-in-hong-kong\/","title":{"rendered":"The ultimate guide to maternity insurance for expats in Hong Kong"},"content":{"rendered":"

There are many things you need to think about if you plan on having a baby. As an expat, you\u2019re going to have even more to consider since the local healthcare system may be unfamiliar to you. While Hong Kong\u2019s healthcare system is certainly well-equipped, it can also be overwhelming to navigate on your own, especially without expert information. Fortunately, this Pacific Prime Hong Kong<\/a> article serves as an expat\u2019s ultimate guide to maternity insurance in Hong Kong.<\/p>\n

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\"Family<\/a><\/p><\/div>\n\n

Are maternity rights guaranteed?<\/h2>\n

Before we delve into maternity insurance, let\u2019s quickly go over what the Hong Kong government’s <\/span>maternity rights and entitlements<\/span><\/a> are. Expat women employed in the SAR will get maternity leave of 14 weeks. For those who have been employed for longer than 40 weeks, they are also entitled to paid maternity leave for the entire 14-week maternity leave period. This is paid at a rate of 4\/5ths of your usual salary and is capped at HKD $80,000 per employee.\u00a0<\/span><\/p>\n

While maternity leave and pay in Hong Kong is a welcome plus, many expat women are still burdened by the city-state\u2019s extremely high <\/span>cost of maternity care<\/span><\/a> and <\/span>giving birth<\/span><\/a>, which this article will elaborate on in the following sections. As such, it may be worth securing maternity insurance to help ease some of the burdens.<\/span><\/p>\n

What is maternity insurance and what does it cover?<\/h2>\n

Maternity insurance essentially covers the costs associated with childbirth, along with prenatal and postnatal care. Different insurance providers have different approaches to pregnancy insurance, and plans can vary from basic to more comprehensive coverage. Even though some insurers sell maternity insurance plans, they are typically sold as an additional benefit to a standard health insurance plan. This means they\u2019re usually grouped with inpatient coverage, outpatient coverage, or both, instead of a standalone maternity plan.<\/p>\n

Maternity insurance usually covers:<\/p>\n

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  • Prenatal\/postnatal treatments and examinations<\/li>\n
  • Normal delivery<\/li>\n
  • Medically prescribed Cesarean delivery (C-section)<\/span><\/li>\n
  • Delivery with complications<\/li>\n
  • Delivery following fertility treatment<\/li>\n
  • Hospital or home delivery costs<\/li>\n<\/ul>\n

    In addition, comprehensive maternity plans may also cover:<\/p>\n

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      • Care for newborns<\/li>\n
      • Fertility treatments<\/li>\n
      • Congenital birth defects<\/li>\n
      • Unexpected medical treatment for newborns<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n