Sanlitun-三里屯

Expats prefer giving birth in private hospitals for a few reasons. More privacy, a nicer environment, English services, better care, and more support.

What can you do to minimize any hassles in the process? If you want an insurance plan to cover expenses, here's some advice:

1. Start to plan at least half a year in advance, as a 180-day waiting period applies to most insurance products.
2. Save enough money to pay for the premium for 2 years. References are:
25-29 yo, 37k each year
30-34 yo, 38k each year
35-39 yo, 40k each year‍

Of course, with this money you could consider buying a package from a private hospital. But I would advise getting medical insurance with maternity cover. Let’s do the math:

Generally speaking, private hospitals offer 3 types of packages:
pre-natal checkups: 15-20k
normal delivery:40-60k
C-section: 60k-80k
anaesthesia for painless labor: extra 10k

If everything goes well, the total cost for a pregnancy checkup package and natural delivery package may be a bit less than the premium, say about 65k. But don’t forget that there are always some extra expenses. They could be divided into 2 categories:

1. Some medical items used in the labor process, post natal followup visits, 7 types of newborn vaccines given before 1 year old (14 shots in total), 3 sessions of physical checkups for newborns, etc. They add up to another 10k. Till here, the actual maternity cost is already pretty much equal to premium for 2 years.
2. Unpredictable risks:
Further exams are required in the event of any abnormal checkup results.
Expectant mother has difficulties during a natural delivery and therefore C-section is required. You know how frequently it happens. An additional 15-20k is required for an upgraded package.
Complications are not rare either, both during the pregnancy and/or in labor. Insurance fully covers this (not subject to maternity benefits). Understanding a stand-alone maternity risk product may cost up to 14k, investing in insurance is a much wiser decision than buying a maternity package.
Medical conditions at birth for newborns may cause enormous financial pressure. Premature congenital conditions, underweight, etc. Insurance could cover the medical expenses without the need to copay or limit. In addition, the newborn could be enrolled under the medical plan without going through underwriting which may cause rejection or exclusion in some cases. That means, if the medical condition requires further treatments, your insurance company will pay the bills.
Usually a maternity package only includes a 2-night stay in the hospital. In the case of an extended stay, you will have to pay it from your own pocket!

In a nutshell, an insurance policy could cover both the planned and the unpredictable, without the worry of any additional hospital expenses - so insurance is a good plan to consider.

Contact me today and let me find the best solution for you.

WeChat: gongxifacai2112

Have you already started planning for coming holidays? If yes, don’t forget to bring along a travel insurance policy.
When looking into a travel insurance product, have a think about these things:

1 If you plan to visit family back in your home country, do check to see if the product covers your homeland.
2 If you are going to climb Everest, check the clause about high risk sports to see if it falls into this category.
3 Does your destination include Ukraine, Nepal, Russia, Syria, Iran, etc? Let us know if it’s a yes.
4 Schengen visa requires a minimum medical cover of EUR 30,000 (approximately RMB 250,000. You don’t want to overlook this.
5 Not every visa application will be approved. Better to find a product that could be refunded or compensation provided in the case of your application being declined.
6 If you are already out of China when applying for insurance, no product on the Chinese market will cover you.
7 Connecting flight(s) within China are not covered.
8 Pre-existing conditions are usually not covered.
9 Remember, your travel insurance plan should cover a period no shorter than from the day you fly out of China to the day you land back in China (Beijing time based). Don’t forget to take time differences into account.
10 The latest day to purchase travel insurance is the day before you fly out of China. The reason is the policy takes effect the next day as earliest and it must cover the complete “fly out fly in” trip.
11 If you need to make any changes, please do them before the commencement date of your policy.
12 You may also wish to save the 24hr emergency hotline number in your phone - you never know when you might need it.

We work with all the top insurers in China to get you the most competitive pricing and broadest coverage. Whenever you plan to travel abroad - give us a call for your piece of mind.

wechat: gongxifacai2112

Living abroad can be a bit dicey when it comes to medical insurance and you don’t want to get stuck in some hospital paying a fortune for a minor complaint. My name is Carol and I’m a Beijing based professional health insurance broker. Just send me a message and we’ll set up the best coverage for you at a premium you can afford. English and Chinese ok!

Carol - WeChat ID: gongxifacai2112