{"id":753,"date":"2017-02-06T17:27:13","date_gmt":"2017-02-06T09:27:13","guid":{"rendered":"http:\/\/www.pacificprime.hk\/blog\/?p=753"},"modified":"2018-02-21T16:36:33","modified_gmt":"2018-02-21T08:36:33","slug":"pregnancy-insurance-top-five-tips","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/pregnancy-insurance-top-five-tips\/","title":{"rendered":"5 tips for finding the right pregnancy insurance in Hong Kong"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When you\u2019re looking for pregnancy insurance, you can\u2019t go wrong with the expert advice from Pacific Prime Hong Kong. We\u2019ve previously written about <\/span><a href=\"https:\/\/www.pacificprime.hk\/blog\/2017\/01\/26\/childbirth-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">what it is, what it covers<\/span><\/a><span style=\"font-weight: 400;\"> and why we need it &#8211; but what about some tips for when you\u2019re looking for it? This article will give you the top five tips we have for finding the best pregnancy insurance in Hong Kong.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">1. Get insured early!<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If there is any one, single most important tip for getting your pregnancy insured, it\u2019s to get covered early. Many maternity policies have a moratorium included meaning that you must hold the policy for at least 10-12 months or more before you\u2019re eligible to make a claim on it. The reason for this is so insurance companies can minimize the risk by only paying out for those families to plan in advance, so it pays to look before you conceive.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-2' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=couple\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-1281 alignleft\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_2.-Couple-final.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Health insurance for couples banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">2. Know how much your pregnancy will cost without coverage in Hong Kong<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pregnancy insurance, like most insurance policies, exist to help ease the financial burden of receiving healthcare. When you\u2019re looking at purchasing a maternity insurance plan, then it helps to know what the costs of having a child in Hong Kong can be to compare them. The <\/span><a href=\"http:\/\/www.ha.org.hk\/visitor\/ha_visitor_index.asp?Content_ID=1161&amp;Dimension=100&amp;Lang=ENG\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Hospital Authority<\/span><\/a><span style=\"font-weight: 400;\"> website shows that an Obstetrics package in a public hospital can cost between HK $39,000 and $90,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Private hospitals can <\/span><a href=\"http:\/\/www.geobaby.com\/pregnancy\/practical-advice\/item\/private-hospital-maternity-packages\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">vary in price<\/span><\/a><span style=\"font-weight: 400;\"> depending on the ward you\u2019re comfortable paying for. A normal delivery in a standard ward at St Paul\u2019s Hospital can cost HK $15,000, while a private room at the Matilda International Hospital will come to HK $43,000 for a normal birth. C-section deliveries can cost even more (a c-section at the Union Hospital will cost HK $23,800 in a standard room). <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s also important to note that the cost of private maternity deliveries <\/span><span style=\"font-weight: 400;\">do not<\/span><span style=\"font-weight: 400;\"> include doctor&#8217;s fees which can very easily see the cost of your child\u2019s birth skyrocket. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">3. Learn what pregnancy insurance will cover<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most of us know now that pregnancies come with a number of tests and scans that are done by hospitals in order to ensure the health of your baby through to delivery. It is important, however, to know exactly what tests, scans and potential unexpected procedures your policy will cover. Being clear with your <a href=\"https:\/\/www.pacificprime.hk\/using-insurance-broker\/\">insurer or broker<\/a> about your needs will safeguard against having any financial surprises.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most policies will cover the following:<\/span><\/p>\n<ul>\n<li><b>Outpatient care:<span style=\"font-weight: 400;\"> Pre and post-natal doctor visits, screenings and tests.<\/span><\/b><\/li>\n<\/ul>\n<ul>\n<li><strong>Inpatient care:<\/strong><span style=\"font-weight: 400;\"> Delivery (vaginal or c-section), any emergency hospitalizations for mother or baby either before or after the pregnancy.<\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Incidentals:<\/strong><span style=\"font-weight: 400;\"> Coverage for the cost of things like medicine and medical equipment.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some of the more comprehensive plans will also include coverage for newborn baby care, fertility treatments, congenital birth defects, and treatments required for newborns if something happens after delivery. Knowing what can be covered will help you be more informed about the pregnancy insurance policy you choose.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">4. Pay for what you need, not what you don\u2019t<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When comparing maternity plans, remember what your needs are so that you\u2019re not unnecessarily paying for things you don\u2019t need. This advice holds true for purchasing any form of insurance, but it is especially true as often pregnancy insurance is not included in a basic health insurance plan. As an add on, you will have to pay an extra premium to ensure that your pregnancy runs smoothly. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">5. Get better deals through Pacific Prime<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It\u2019s true that you can compare plans yourself online but to get truly lower premiums on pregnancy insurance plans, you\u2019ll want to use an expert insurance broker like <\/span><a href=\"https:\/\/www.pacificprime.hk\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pacific Prime Hong Kong<\/span><\/a><span style=\"font-weight: 400;\">. Their advisers have more than 15 years\u2019 experience in providing insurance solutions and their long standing relationships with some of the world\u2019s most renown insurers means they can offer what many others cannot. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">We\u2019ve been keeping up with the <\/span><a href=\"https:\/\/www.pacificprime.hk\/blog\/2015\/11\/13\/the-state-of-maternity-insurance-in-hong-kong\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">state of maternity insurance<\/span><\/a><span style=\"font-weight: 400;\"> as well as providing clients and partners alike with <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">informative guides<\/span><\/a><span style=\"font-weight: 400;\"> to help keep you better informed about what you\u2019re buying. If you\u2019re looking to be pregnant in the future and want to give your family the best, most well planned start, then <\/span><a href=\"https:\/\/www.pacificprime.hk\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for advice and a free quote!<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1279\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2019\/06\/HK-BANNER-Couple.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Get a quote banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you\u2019re looking for pregnancy insurance, you can\u2019t go wrong with the expert advice from Pacific Prime Hong Kong. We\u2019ve previously written about what it is, what it covers and why we need it &#8211; but what about some tips for when you\u2019re looking for it? This article will give you the top five tips &#8230;<\/p>\n","protected":false},"author":8,"featured_media":755,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[615],"tags":[794,791,40,102,379,384,383,385,382],"class_list":["post-753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-family-insurance","tag-ban_cou","tag-cta_gen","tag-health-insurance","tag-hong-kong-health-insurance","tag-pregnancy","tag-pregnancy-care","tag-pregnancy-coverage","tag-pregnancy-in-hong-kong","tag-pregnancy-insurance"],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- 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