Must I buy maternity insurance before I get pregnant?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! Cases of infants suffering from excessive work pressure and older pregnant women suffering from congenital diseases have occurred from time to time, which makes some "prospective parents" very uneasy. To seek insurance protection for pregnant women, I suggest you refer to maternity insurance first. Enough to buy maternity insurance needs to be emphasized: social security is the foundation, commercial insurance is only a supplement. Generally speaking, maternity insurance in social security must be insured before pregnancy, while commercial maternity insurance needs to be based on the requirements of specific insurance products.

At present, there are two main forms of maternal and child insurance provided by insurance companies for pregnant women and newborns, namely, additional maternal and child insurance and special maternal and child insurance. Additional maternal and child insurance is usually added after women's health insurance and life insurance. The insurance period and payment period are relatively long, and the age limit for insurance is relatively small. Special maternal and child insurance can be insured separately. Pregnant women are the first insurer and newborns are the second insurer. The insurance period is generally only one year or until the puerpera leaves the hospital after delivery.

In short, to buy maternity insurance for pregnant women, we should pay attention to the risks faced by pregnant women, focusing on social security maternity insurance, and don't forget to supplement appropriate commercial maternal and child insurance. Recommend for you: