But commercial insurance is a supplement: in view of accident risks and newborn health, "expectant mothers should arrange insurance as early as possible." According to the insurance consultant, the first three months of pregnancy and before and after delivery belong to the risk concentration period of pregnant women. Therefore, insurance within 0/2 weeks of pregnancy or within one month before and after delivery will generally be refused by insurance companies. For families preparing to have children, if they feel the need for insurance, it is best to apply for women's health insurance during the planned pregnancy. At this time, all aspects of physical fitness are in a stable state, which can provide greater choices for the purchase of insurance products.
It is reported that commercial maternity insurance mainly protects adults and children, including risks such as accidents during pregnancy, childbirth, neonatal death and congenital disability, and some insurance companies will increase hospitalization reimbursement. It is worth noting that commercial maternity insurance mainly covers some unexpected risks, and some medical expenses, natural delivery or caesarean section expenses are not reimbursed. When a woman needs to be hospitalized during pregnancy or childbirth, there is no corresponding subsidy. It is only sold as an additional risk in health insurance, not compulsory purchase, and the configuration of this product is different for each insurance company.
Expectant mothers of different ages have different insurance policies. Young women should first consider life insurance products with medical, accident and death protection, while elderly women should increase critical illness insurance, because elderly women are prone to serious complications due to pregnancy.
Legal basis: Article 54 of the Social Insurance Law of People's Republic of China (PRC). The employer has paid maternity insurance, and its employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.