During pregnancy, a woman’s body undergoes a lot of changes. So, it is important to keep a tab of everything related to her health for her well-being. Also, her health is directly connected to her unborn baby’s health. This is one of the primary reasons why a woman should ensure regular visits to the doctor during her pregnancy and even after it. However, the costs surrounding pregnancy can burn a hole in your pocket if your health insurance plan does not have maternity coverage. If you are married, and if you are planning to have a baby, then you are eligible to get insurance for pregnancy in UAE. A comprehensive maternity insurance policy will cover the costs of your pregnancy from end-to-end. The costs related to pregnancy in Dubai, including prenatal care and postnatal care, can be anywhere between AED 20,000 approx. to AED 30,000 approx. and even more, depending on the type of delivery.
Many plans related to medical insurance that cover pregnancy and delivery also include coverage for prenatal, postnatal, and neonatal care. If you wish to get the maximum benefit, then you must check whether your pregnancy insurance policy offers coverage for the mentioned aspects or not. You should also check the hospitals that are covered under your maternity policy. However, before you finally choose maternity insurance or health insurance with maternity cover, you must also check the moratorium on the policy that you are planning to select. A moratorium means the waiting period that is specified by the insurer before you can make a claim. During this period, the charges related to your pregnancy will not be incurred by your insurer. So, you can check it and plan accordingly.
To get all these benefits, we recommend you check the Cigna medical insurance with maternity cover, as it offers a wide range of comprehensive plans.
The Cigna Healthguard plan offers both inpatient and outpatient maternity coverage benefits. Apart from providing hospital and childbirth services, it offers coverage for prenatal, post-natal, and neonatal care services too. To know more about the coverage that it offers check the points below:
The following are the maternity insurance benefits that are covered by Cigna under prenatal care:
Though pregnancy is an exciting phase for new to-be parents or parents expecting another child, it can also bring forth a myriad of other emotions, including anxiety. You might get anxious thinking about the hospital stay, childbirth procedures, and the costs that accompany such services. We, at Cigna, understand this, and to ensure that you experience only happiness and bliss during pregnancy, we will take care of things like the hospital stay, childbirth services, and any medical condition that might arise during your stay in the hospital. So, you won’t have to worry about such things.
The hospitality and childbirth services are segregated into three sections. Check them below:
At Cigna, we believe in providing end-to-end maternity coverage. Right from the time you are pregnant till the time you are healthy again after childbirth, you can rely on our support and services.
After ensuring the safe and sound birth of the child, Cigna strives to keep the mother healthy by providing coverage for post-natal services following a routine or complicated childbirth, if required by the mother.
Cigna not only ensures the well-being of the mother but also of the newborn. If the newborn suffers from any illness or has any congenital or other defects during pregnancy, then Cigna offers coverage for such cases too. It even includes coverage for neonatal screening tests, hearing tests, and other related tests.
If you wish to enjoy more maternity insurance benefits from Cigna during your pregnancy period, you can go for the optional Cigna Mother and Baby Care module. It includes a host of comprehensive benefits that cover costs related to prenatal and postnatal tests, examinations, routine maternity check-ups, homebirth, and newborn care. It also provides coverage related to non-life-threatening congenital conditions and birth defects. As a result, both the baby and the mother will be thoroughly taken care of before and after the delivery. You can opt for this module only upon policy inception or renewal. To know more about this module, you can click here.
In Dubai, under the Dubai Health Insurance Law (11) of 2013, it is mandatory to have a health insurance policy that includes maternity coverage. The law also mandates employers to provide such coverage to their employees.
For more details download our Cigna Healthguard brochure here.
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