Search: Maternity insurance: What do we need to know?

Maternity insurance: What do we need to know?

Maternity insurance: What do we need to know?

Maternity insurance policies were underrated during the 90s in Vietnam because medical services were still poor, and many people supposed that they would rather give birth to children at home to save money rather than go to hospital and spend much more. However, this viewpoint has changed recently due to the development of numerous medical fields and the awareness of the public on reproductive health of women.

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What is maternity insurance (pregnancy insurance)?

Maternity coverage is an add-on rider to our main health insurance, nonetheless it is still evaluated as one of the most important policies. A maternity insurance covers costs relating to nursing and room charges, birth delivery fee, doctor consultation as well as anapestic consultation.

Why do we need a maternity coverage?

  • Maternity insurance covers out – of – pocket expenses

As we know, giving birth to a child does cost a significant amount, and this starts right from the pregnancy to a child’s birth. A maternity insurance policy will not only help covering relating costs but also offer financial support at high rates from 10 million to 35 million Vietnam dong depending on your circumstances and which policy you have purchased.

  • Pregnancy insurance allows you to choose your doctor

One of the biggest benefits that pregnancy insurance policies offer is that you are capable of choosing your own obstetricians and have them support you during carriage as well as the process of birth delivery. On the contrary, public health systems may change your doctor each time you visit them and this may include junior doctors(who call for a specialist when in need)

  • Better accommodation and facilities are accessed

Once you have purchased a maternity insurance policy, you have the access to hospitals, accommodations and services with higher qualities. You can choose to give birth to your infants in a private hospital or as a private patient in a public hospital. Additionally, you are able to stay in a private room after birth giving while you have to share your room with others should you be without a pregnancy insurance policy. Under certain circumstances, a private health – care center may allow your partner to stay overnight or cover hotel expenses if medically – approved by doctors

  • Pregnancy insurance policies offer more flexibility in appointments

Whether you decide to use services provided by private or public hospitals, your appointments with doctors will be prioritized after purchasing the pregnancy insurance when it comes to comparison with other women without one.

When do mothers need to purchase maternity insurance?

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Maternity coverage won’t take effect if purchased just before a birth delivery. To receive the support from this policy, you should purchase it at least from 210 to 280 days before giving birth to a child. This can much depend on what type of coverage or where you purchase it. It is compulsory that mothers have already got health insurance policies when intending to have a baby.

Who is supported by a maternity insurance policy?

The maternity insurance covers subjects including female workers, male workers and even those who have contraception. For the female workers, the nearer their birth delivery days are, the longer maternity leave they are allowed to take. On the other hand, the male workers have every right to take days off on the purpose of taking care of their wives and children.

How long does a maternity last for each subject?

  1. Female workers
  • Child delivery: In this case, a female worker can take a maternity leave of six months and still receive 100 percent of her average salary according to articles 34 and 35 of the Law of Social Insurance, however she cannot take more than 60 days off before her birth giving. In addition, if the mother carries twins or triplets, she can take one more month for each child.
  • Adoption: In the event of adopting a child, the mother has the right to take maternity leave until the child is six – month old
  • Stillbirth: A female worker can take the maternity of 4 months if her stillborn child is under two – month old. In case the baby is older, she can take 2 months off.
  • Fatality during or after birth – giving: In this situation, the father or the supervisor will receive support directly from the maternity insurance policies purchased.
  • Contraception: a female worker can take 7 days off if she has got an IUD and 15 days off should she get sterilization.
  1. Male workers
  • Average birth delivery: A male worker is allowed to take 5 days off to take care of his wife and newborn child.
  • Birth delivery involving surgery: In this case, a male worker can take a two – week period off.
  • Twin and triplets or more infants: the father can take 3 more days for each child.


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