Childbirth is a complicated and risky process. The proof is that the safety
of the life of the mother-to-be is at stake, while the safety of the baby is
not guaranteed. Not to mention if we calculate the amount of costs used
during the delivery process.
Therefore, sometimes we need protection. In this case: Maternity insurance
that is useful to cover at least the financial risks that come from giving
birth. But keep in mind that not everyone is suitable and/or wants maternity
insurance.
To find out if maternity insurance is right for you, let's read this article
further!
4 Benefits of Maternity Insurance
Maternity insurance cannot prevent health risks. However, at least he can
help reduce the burden of financial risk that you carry. As a result, you
only need to focus on maintaining the health and mental health of the
prospective mother and fetus through other childbirth preparations.
Here are the benefits of maternity insurance.
1. Cover the costs during pregnancy until delivery
Some maternity insurance products cover costs starting from the time of
pregnancy. This includes the cost of a doctor's visit for an obstetrical
check, the cost of pregnancy complications, to the entire cost of
hospitalization during delivery.
However, because every insurance company is different, it's a good idea to
double check the insurance benefits provided in the policy. If you don't
read it correctly, then there is a chance that the company will reject the
claim when the risk comes.
2. Protect the health risks of the baby & mother after giving
birth
The health risks of giving birth do not stop there. Sometimes even though
the baby and mother are born, they can still experience other complications
from childbirth.
For example, babies born prematurely will be louder and have congenital
abnormalities. Or the baby's physical condition is too weak after giving
birth so that he has to undergo special intensive care for the baby. Most
mothers can experience pregnancy complications after giving birth.
Fortunately, some maternity insurance products cover the financial risks of
postpartum. Again, you should double-check the benefits of each product
before buying.
3. Cover hospital facilities
Of course, one of the heaviest costs is the cost of the delivery process
itself. Class I for the cost of childbirth alone has reached tens of
millions of rupiah. Not to mention if there are other procedures that need
to be done because of complications, such as having a caesarean section or
using a vacuum.
Usually maternity insurance provides provisions for childbirth benefits in
the form of inpatient facilities with certain classes. The higher the class,
the automatically more comfortable facilities for mothers and children, with
a higher premium.
4. Reducing the death rate
Many mothers-to-be have lost their lives or even lost their fetuses because
they cannot pay for the cost of giving birth in a hospital. Therefore, not a
few women have to give birth at home, which is much more risky for the
mother and baby, or even abort the fetus.
With the existence of childbirth insurance among the Indonesian people, the
infant mortality rate, abortion, and maternal mortality rate can also
decrease.
Types of Maternity Insurance
There are basically two types of maternity insurance that you can get:
Unit link life insurance
This insurance actually focuses on the child's life, which means covering
the risk of the child's death. However, usually they also have additional
insurance benefits, such as coverage for the risks experienced by the
mother-to-be, hospital fees, the risk of abnormalities or disability in the
baby, the risk of hospitalization for the baby, and others.
Not only that, unit link means this product also has an investment element.
Because of this, premiums may decrease over time. However, at the same time,
investing also means there is a risk where you will lose.
Card Health (Health Insurance)
This health insurance from the government also has benefits for pregnant
women during the pregnancy process. In addition, Card Health is also
subsidized by the government so that it is one of the affordable birth
insurance products.
However, unfortunately these benefits can only be used to protect the
mother's risk. The risk to the baby during pregnancy until delivery is not
covered. So if the baby has abnormalities, disabilities, and other risks,
Card Health cannot cover it. Newborn babies can be registered by Card
Health, but only when they are born in good health.
How Important is Maternity Insurance?
To answer this one question, you have to reconsider your options. There are
times when maternity insurance will be more profitable, but maybe it's not
the right choice for you.
Here are things you can consider before buying maternity insurance:
Make a detailed list of the costs of pregnancy to delivery for the hospital
of your choice. Compare: Is the Sum Insured commensurate with the premium
paid? If not, then you're better off just saving up.
Do you have sufficient reserve funds in case of the risk of unexpected
costs? Write down any possible risks.
The insurance benefits will cover what costs? How many other costs do you
still need to pay that are not covered by insurance? You can read the
exceptions and ask the agent or insurance company in question.
Another option: Save yourself
If you feel that you are not compatible with maternity insurance, then you
still have to save. Of course, it's better to prepare ahead of time, than to
go into debt here and there because your savings are lacking?
The important thing is to keep setting a breakdown cost and savings target.
If you need extra money, you can try different types of investments.
However, you also need to remember the risks that come with the investment.
In addition to hospital and doctor fees, don't forget to take other costs
into account. For example, special clothes for pregnant women, baby
equipment, and other needs outside the delivery process itself.
Are you ready to welcome the arrival of your baby?
Preparing to give birth is not just about being financially ready, but
mentally and physically ready. For mothers-to-be, make sure you have
prepared yourself to go through the pregnancy process later.
For fathers-to-be, your responsibilities will increase. Therefore, make sure
you at least have life insurance to protect your new family. If something
happens to you, you can still protect your little family.
