Im trying to take a health insurance now that im expecting and someone said pregnancy counts as pre existing. Got a bit tensed about claims and waiting period. Does anyone know how this works?
Haha, with twins, the hospital bills are double, so we had to look into this insurance stuff deeply! Yes, for new health insurance policies, it is considered pre-existing, so check with your HR or agent first.
I am in my second trimester now and we are currently struggling with insurance claims for our upcoming scans. It is so stressful, did anyone else's insurance treat pregnancy as a pre-existing condition with a waiting period?
Yes, in terms of health insurance, if you are already pregnant before buying the policy, it's treated as a pre-existing condition. Make sure to get your regular thyroid and other blood tests done as advised by your doctor to keep things under control.
My husband and father-in-law had to run around a lot to check our family insurance policy for this. Most individual plans don't cover pregnancy if you are already expecting, so check your policy terms carefully.
When I was planning for my C-section delivery, we had to check our insurance policies carefully because some corporate plans cover it immediately, while personal policies might have a waiting period. It is usually considered a pre-existing condition if you buy a new policy after getting pregnant.
