Pregnant women insurance is a special option to normal. travel medical insurance for traveling abroad on leisure and traveling, which concerns countries around the world, in including Schengen countries and the CIS. Due to the increased risks in Insurance pregnant many features and nuances. Buy such Insurance is not possible in all companies. Officially, this type of insurance called “Insurance in case of pregnancy complications” – because pregnancy itself is not a disease.
During pregnancy (if it is normal and not contraindications to the doctor) you can travel, but you also need to understand that responsibility in this case is greater and may there are unforeseen costs, so the choice of insurance is necessary take it seriously.
The content of the article
- 1 Pregnancy Insurance Companies
- 1.1 ERV (Euro-centr)
- 1.2 Arsenal (Balt Assistance)
- 1.3 Rosgosstrakh
- 1.4 Consent (Balt)
- 1.5 Sberbank Insurance (Europ Assistance)
- 1.6 Liberty (Class)
- 1.7 Alpha Insurance (Savitar, Best / Class, GVA)
- 1.8 How to choose insurance
- 2 The problem of insurance for pregnant women
Pregnancy Insurance Companies
Companies periodically change insurance conditions, introduce new rules and restrictions. If you look at the reviews on the forums insurance for pregnant women, it is clear that the pro for the same Insurance users indicate different periods of pregnancy.
So just in case, check in the online chat Cherehapa or Instore regarding each insurance. There is very adequate technical support that knows all the answers and can help you even in case of an insured event (and not just before purchasing a policy).
The following are the main insurance companies. pregnancy and their brief insurance terms.
ERV (Euro-centr)
Life hacking. If you buy the link, it will be cheaper by 12%, so as an insurance amount in dollars (and bucks are cheaper than euros). Detailed instruction.
ERV insurance with 12% discount →
This insurance offers the best conditions for pregnant women up to 31 weeks. You need OPTIMA or OPTIMA-annual programs with an insurance amount of 100 thousand euros. These include the risks that many insurance companies remove from contracts or severely limit on amounts:
– medical expenses in case of a sudden complication of pregnancy (all insurance amount) – expenses for preterm delivery (all insurance amount) – for the care of a newborn during preterm labor (limit 10,000 euros)
Newborn care, as far as I know, is generally no more who does not, as well as insurance for the entire amount in case of complication. So that there are very good conditions.
Arsenal (Balt Assistance)
Insures pregnant women for up to 31 weeks with complications and preterm labor when choosing “Insurance for case of pregnancy complications “. The amount of insurance 1000 ye
Price for Arsenal →
Rosgosstrakh
The company insures pregnant women for up to 31 of the week. The amount of coverage is 10% of your chosen insurance amount when you buy a policy. That is, if the policy for 100 thousand yeah, then pregnancy complications and premature childbirth in the amount of 10 thousand ye. Be sure to select the option “Insurance in case of pregnancy complications”, otherwise it will not be this in the insurance.
Price Rossgorstrakh →
Consent (Balt)
Insures pregnant women for up to 24 weeks. AT In this case they work with Balt Assistance. Program F – on case of getting complications during pregnancy, as well as rendering necessary assistance in connection with the threat to the life of the mother / fetus. By any risk payment no more than 5,000 euros. But, as I understand, such insurance You can not buy online, you need to contact the office.
Sberbank Insurance (Europ Assistance)
Insures pregnant women for up to 12 weeks. Covers cases of sudden complications when life threatening. There are no restrictions on the amount, that is, within the limits of the insured amount. Catch my promo code LIFETRIPRU for a discount of 9%.
Price for Sberbank at a discount →
Liberty (Class)
Program B (Standard) provides for insurance of pregnant women up to deadline 12 weeks. Such a program is sold on Cherehapa. Program A, which is only on the official website, does not insure pregnant women at all. At any time enters emergency artificial abortion insurance, the need for which arose as a result of injury insured, which can be recognized as an insured event.
Price Liberty →
Alpha Insurance (Savitar, Best / Class, GVA)
Alpha does not have a special insurance program for pregnant women, but with buying ordinary insurance for traveling abroad “sudden life threatening complications, or documented confirmed accident during the gestation period to 8 weeks “- are considered insurance, by default included in the insurance, nothing else to choose is not necessary.
Just in case, I remind you, if you have not read it yet, Alpha for Schengen can be bought through the Euro tour with a big discount (for my blog), and asistens will be better – Savitar, than on Alpha’s official website. With Best / Class Assistant, you can buy from Cherehapy. On the Alpha site, only GVA, which is bad.
Price Alpha →
Insurance for pregnant women when traveling abroad
How to choose insurance
What to look for when choosing insurance:
- what is the duration of pregnancy should be at the beginning trips;
- what period of pregnancy should be at the end of trips;
- the maximum duration of the insurance (usually they insure only short term);
- what is the insured amount, what amount can be paid insurance claims related to pregnancy;
- see in the contract the exact wording, which cases recognized as insurance from this company, and which are not;
Of course, it will be difficult to immediately delve into the nuances of all insurance programs, given that not always everything is on the surface. Therefore, I can advise you to base my list of insurance for pregnant women.
In general, the easiest and fastest way is to use special filters in insurance purchase services. Only two services provide such: Cherehapa and Instore.
After Cherehapa has given you a list of insurance for the necessary dates and for the desired country, put a tick in front of the option “Insurance in case of pregnancy complications”. She is situated right at the bottom of the page in the “Advanced Options”. Next, select the desired number of weeks, and see the results. The service will filter and show you only those insurance that insure pregnant women.
About the same in the Instore. Under the form where you put dates, click on “Show advanced options” and then indicate pregnancy: up to 12, 24 or 31 weeks.
Such a mini life hacking, do not forget to try to play insurance amounts (30000-50000-100000 dollars / euro), as well as a tick “Annual policy”.
The problem of insurance for pregnant women
Regular medical travel insurance if it is not provides for insurance for pregnant women, covers all insurance claims under the contract, except for those associated with pregnancy complications. If you are still swimming in travel insurance issues then be sure to look my insurance rating. There and about all the nuances of choice said.
My insurance rating →
It is necessary to distinguish when the appeal to the doctor will be part of the usual travel insurance, and when it’s a “complication the course of pregnancy. “For example, if you are during pregnancy If you go to a doctor because of a cold, then it will cover the usual insurance. But this is a simple obvious example, there are more complex cases. Therefore, so that the insurance does not have unnecessary questions on whether your case is related to pregnancy, if there is a pregnancy, it makes sense to make insurance this item.
Usually, companies are divided into those that insure pregnancy on up to 12 weeks, or up to 24 weeks, or up to 31 weeks. On For the most part, Russian insurance companies do not insure now. Often, insurance provides insurance for pregnancy up to 12 weeks because there is usually a risk to the life of the insured on these The timing of pregnancy complications is not borne. But on long terms (and these are more serious cases) very few insure the company.
ERV insurance with 12% discount →
Insurance usually write “with a sudden complication of the flow pregnancy “, that is, it is assumed that no pathologies was earlier. Some companies may ask for help. from your doctor that contraindications for travel and pathologies did not have. For example, a flight may be contraindicated in pregnancy for a number of reasons. Therefore, before the trip it is better to take such a certificate and make a copy of it in order to send insurance.
Most often, insurance covers coverage of services in the insurance contract. life saving only women with complications during pregnancy. At the same time, the maximum amount is often limited to 5000-10000 dollars. Anything beyond this amount will have to be paid. on their own. In addition, insurance can limit the period insurance actions up to 10-14 days. Often not covered by the cost of childbirth, and child care after childbirth, premature birth, abortion. The exception for the last two points is risk to a woman’s life. Then costs can be paid. insurance.
P.S. Information compiled based on the reading of contracts insurance and traveler reviews. I would be glad if you share some more information on such insurance. If anything do not understand, ask.
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Choosing insurance is now unrealistically difficult, therefore, to help everyone travelers, I make a rating. To do this, constantly monitor forums, I study insurance contracts and use insurance by myself.
Insurance Rating
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