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Maternity Insurance

  1. #1
    jaetee is offline Registered User
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    Maternity Insurance

    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.

  2. #2
    turtle is offline Registered User
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    Goodhealth

    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...

  3. #3
    rani's Avatar
    rani is offline Administrator
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    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
    Last edited by rani; 05-04-2006 at 09:46 AM.
    Founder of GeoBaby.Com

  4. #4
    jaetee is offline Registered User
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    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.

  5. #5
    rani's Avatar
    rani is offline Administrator
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    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.
    Founder of GeoBaby.Com

  6. #6
    blessing is offline Banned
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    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?

  7. #7
    CheeryMum is offline Registered User
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    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.

  8. #8
    blessing is offline Banned
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    Cheerymum,

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

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