• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
GO TO EXPAT LIVING SINGAPORE
GET OUR NEWSLETTER

Expat Living Hong Kong HomepageExpat Living Hong Kong

Moving to Hong Kong and not sure where to start? Expat Living is the essential lifestyle guide to living in Hong Kong.

Menu
  • Living In Hong Kong
      • Living Here
      • Where To Live
      • Schools
      • For Guys
        • Traditional festivals in Hong Kong - Dragon Boat FestivalTraditional Festivals & Events in HK
        • 5 Reasons to Use a VPN in HK
        • South Lantau - moving to Hong KongGuide to Pui O Village, South Lantau
        • Money - for article on financial habits and wealth management5 Steps for setting realistic financial goals
      • View all
    Close
  • Things To Do
      • Things To Do
      • What’s On/Calendar
      • Competitions & Offers
        • Top beaches in Hong Kong - Stanley BeachTop 35 Best Things To Do In Hong Kong This Weekend
        • Traditional festivals in Hong Kong - Dragon Boat FestivalTraditional Festivals & Events in HK
        • Public swimming pools in Hong Kong - Tung ChungBest public pools for families
        • What to watch this month – Netflix & more!
      • View all
    Close
  • Kids
      • Activities & Things To Do
      • Education & Enrichment
      • Health & Wellness
      • Mums & Babies
      • Podcasts
        • Filling the learning gap in the COVID recovery
        • Cambridge education at CDNIS - Students on the summer learning programmeGet a Taste of a Cambridge Education in HK!
        • Bottle-feeding a baby - when is the right time to introduce a bottle?“When can I give a bottle to my baby?”
        • Public swimming pools in Hong Kong - Tung ChungBest public pools for families
      • View all
    Close
  • Homes
      • Home Décor
      • Readers Homes
        • Children's books author Bhakti Mathur in hr home on the Peak Hong KongA writer’s retreat on The Peak
        • Asian furniture and home décor - Altfield swirl vases7 must-have Asian classic pieces
        • Causeway Bay apartment home makeover - Christina Standaloft and partnerSpace-savvy Causeway Bay home makeover
        • Home furniture and décor in Hong Kong - Altfield InteriorsHome news: décor, furniture & more!
      • View all
    Close
  • Travel
      • Short Breaks
      • Further Afield
      • Travel News & Offers
        • South Lantau - moving to Hong KongGuide to Pui O Village, South Lantau
        • Mount KinabuluClimbing Mount Kinabalu in Sabah
        • Top beaches in Hong Kong - Stanley BeachTop beaches in Hong Kong
        • Considering moving to Singapore for your next expat post?
      • View all
    Close
  • Wine & Dine
      • Recipes & Groceries
      • Bars & Restaurants
        • Harbourside Grill5 Dining discoveries in Hong Kong
        • Salted Vanilla Caramel Ice Cream Balls Recipe
        • Baan Thai restaurant in Hong Kong, Thai foodTaste Test: Thai food in Hong Kong
        • Hong Kong People: Meet Amy Elkhoury
      • View all
    Close
  • Style & Beauty
      • Fashion
      • Hair & Beauty
        • Best foundationsFab foundations for hot climates
        • Tried and Tested: Lip glosses and lip liners
        • Teenager having a facialWhen is it time for your first facial?
        • Stretch mark treatmentHow to get rid of stretch marks
      • View all
    Close
  • Health & Fitness
      • Medical & Dental
      • Fitness
      • Wellness
        • Menstrual cupsHave you considered a menstrual cup?
        • 6 stages of life where family medicine matters
        • pregnancy - for web article on common problems in pregnancy and how to relieve symptoms10 common problems in pregnancy & how to help
        • Cup of tea - Tips for taking care of yourself from MindnLifeAre you taking care of yourself?
      • View all
    Close
  • Shop
      • Magazine
      • Advertise With Us
        • March-May2022
        • March-May2022
        • March-May 2022 Issue – $36 (Free Shipping)
        • SALE! ONE-YEAR SUBSCRIPTION PRINT & DIGITAL BUNDLE – $128 (USUAL $192.00)
      • View all
    Close

Insurance Insights: Maternity Cover

22 November, 2016 by Expat Living 3 Min Read

https://expatliving.hk/insurance-insights-maternity-cover/

Having a baby in Hong Kong? If so, you’ll have plenty of things to consider, not least of which will be the issue of insurance. We asked the team at Bupa Global to answer some common questions on the topic of maternity cover.

 

Concentrate on the important things.. Your child
Concentrate on the important things.. Your child

 

In general, why is private medical insurance important for an expat in Hong Kong? How is a global plan different to a local plan?

Private medical insurance provides you with access to a network of hospitals and clinics for treatment, giving you peace of mind so you don’t need to worry about the unexpected health costs if you have an accident or get diagnosed with a serious illness.

A global medical insurance plan generally has a higher annual policy limit with richer benefits compared to a local plan. A global plan gives you the choice to have treatment at home or abroad, so you can go back to your home country for treatment if preferred. Also, if you’re moving back home, you can take your health plan with you, which may save you the hassle of switching plans or going through underwriting again.
How much does it cost to have a baby in Hong Kong?

On average, delivering a baby in a private hospital costs from HK$100k to $150k, and a Caesarean section will cost even more. Don’t forget to factor in the costs of pre- and post-natal check ups.
What are some of the things to keep in mind when it comes to coverage when having a baby?

When it comes to maternity cover, you may want to check:

* if there is a waiting period in the policy;

* if the policy covers the medical costs in case of maternity and childbirth complications;

* if the baby will be born into the policy without underwriting.
Does Bupa offer different policies for maternity cover?

Bupa Global Elite and Ultimate plans both offer maternity cover, providing up to full cover on normal delivery and medically essential caesarean section. Both plans cover pre- and post-natal treatment, and maternity complications. Children can be born into policy without underwriting as well.

 

Do the policies cover ultrasounds, extended hospital stays if medically necessary, or certified nurse midwives for delivery at home or a birth centre?

Yes, these treatments and care options are all covered by our Elite and Ultimate plans. Also, the two family-friendly plans can cover children under the age of 10 and 16 respectively with no extra cost (two per paying parent).

 

I have corporate insurance; would you still suggest I get a second insurance plan as part of a family package? 

Many of our clients look at second health insurance as a top-up, for the following reasons:

• An individual health insurance plan often provides a richer range of benefits with higher annual policy limits. You can consider choosing a higher deductible or co-insurance when taking out a second insurance to reduce the premium.

• Corporate insurance is there up until your time with the company ends. This may leave you with the need to seek individual insurance at an older age or time of need, by which time premiums may be higher or there may be exclusions for pre-existing sickness. However, a second insurance with worldwide cover can give you peace of mind that wherever you go, you’ll be well looked after.

 

For more information on Bupa Global’s insurance plans visit here and for more advice on parenting from birth and beyond check out our Body and Style page

Categories: Living Here Living In Hong Kong Style & Beauty Tags: Hong Kong-1 Insurance Kids Maternity Pregnancy

Get the latest events, stories and special offers
sent to your inbox.

By signing up, you'll receive our bimonthly newsletters and offers, which you can unsubscribe to anytime.

You May Also Like

Considering moving to Singapore for your next expat post?

The benefits of being a school leader

Stamford international school in Singapore

An introduction to international schools in Singapore

Primary Sidebar

  • COMPETITIONS & OFFERS
  • About
  • Advertise
  • Contact
  • Privacy
  • Subscribe

© 2022 Expat Living Hong Kong, All Rights Reserved.