[jaetee]

hi everyone,
had a quick question on maternity insurance - from what i have read, most (not all) insurance companies cap their general maternity coverage at about US$7000 (HK$55,000) - so....

1) did your insurance cover most/all your expenses pre-natal and delivery?

(I know there a couple of companies that cover a lot more and have much higher maximums, but I thought that William Russell, Interglobal, etc., had lower ones.)

thanks.

[turtle]

I am with Goodhealth, who covered me up to around HKD60,000. However, as I had an emergency c-section they paid for EVERTHING. I think there was one test I had done that was not covered so I ended up paying HKD1,095 for the birth of our baby girl at the Matilda in a semi-private ward. If we did not have the emergency we think we would have ended up paying around HKD40,000 which was not covered by Goodhealth.

Hope this helps...

[rani]

I had William Russell and they cover $50K for routine materntiy care, and then another $76K if you have any complications. Baby was also 100% covered for the first 28 days but I believe they've capped that to $320K.

Ok, here's a breakdown of what we spent

Prenatal Care (consultations, u/s, 4D scan, blood work) - $19K (a bit high as I switched Drs)
Private Room Adventist - $27K (better to book a semi-private. chances are you'll have it to yr self)
Normal Delivery Dr's Fee's - $21K
Epidural - $4K
Anesthetist Epidural -$16K (high as we called him on a Sunday. best to negotiate his charges before)
Miscellanous Meds - $2K

Pediatrician - $5K (100% covered)

Total: $94K. We ended up paying an additional $40K

[jaetee]

Thanks for the posts (especially the cost breakdown!) - another question:

How do costs at Adventist compare to Canossa and Matilda? Do the docs charge differently depending on the hospital?

thanks again.

[rani]

Jaetee,

Haven't checked this year's charges, but the Adventist is usually a little less than the Matilda and a bit more than the Canossa. I don't think Drs charges change depending on the hospital, only on the room type.

[blessing]

I am just curious how Canossa compares with Matilda and Adventist. I have been to Matilda several times to visit a friend and it definitely looks like a multi-starrer hotel :) Also, comparing apples to apples, how is Canossa in terms of prices and services w.r.t. Adventist or Matilda?

[CheeryMum]

Canossa has good service, and much cheaper.
Matilda is like a hotel. Adventist is somewhere in btw.
Out of the three, I will choose Adventist.

[blessing]

Cheerymum,

Thanks a lot for your opinion. Any other mums want to voice their opinions comparing Matilda with Canossa and Adventist?