The exclusive Internet medical insurance "pregnant mother insurance" for expectant mothers is coming! Covers 24 common complications of pregnancy

Reporter | Miao Yiwei

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Women's physiological function declines during pregnancy, and the health risk is much higher than that of ordinary people, however, pregnant women are often turned away because of the harsh insurance requirements when purchasing commercial insurance.

On December 14, the interface news reporter learned from the Ant Insurance Agency Platform under Ant Group that the exclusive Internet medical insurance for pregnant women launched by Ping An Health Insurance and Cathay Property & Casualty Insurance was launched.

It is reported that the product was jointly launched by Ping An Health Insurance, Cathay Pacific Property & Casualty insurance and Ant Insurance Platform. Covering 24 common complications such as gestational diabetes, severe anemia during pregnancy, amniotic fluid embolism, eclampsia, etc., suitable for expectant mothers aged 20-45 and within 24 weeks of pregnancy, the premium is starting from a minimum of 90 yuan, and the maximum inpatient medical reimbursement of 1 million yuan can be obtained.

Previously, most of the insurance products for maternity insurance focused on the risk of accidents, death and other extremely low probabilities, while the specific pregnancy complications for the maternal population were usually excluded from the coverage of commercial medical insurance. This "Maternity Mother's Insurance" is specially designed to provide full protection for pregnancy and postpartum complications, helping expectant mothers aged 20-45 and within 24 weeks of pregnancy to reduce the burden of medical expenses.

Specifically, the insurance product: "Pregnant Mother Insurance" has a protection period of 1 year, a deductible of 10,000 yuan, and a 15-day waiting period after insurance. Taking the upgraded version of Ping An Health Insurance as an example, insured persons with social security can pay 100% of their hospital expenses after being reimbursed by social security and deducting the deductible; if they have not settled with social security, they can pay 60% after deducting the deductible.

In terms of coverage, the product includes 24 complications such as gestational diabetes, premature rupture of membranes, placenta previa, puerperal infection, and oligohydramnios.

In addition, in terms of health services, "Pregnant Mother's Insurance" also provides health management consultants and project housekeeper services for the insured. The health management consultant provides 1-to-1 exclusive health services for expectant mothers 7*24 hours, including online consultation, dietary exercise guidance, interpretation of obstetric examination reports, postpartum recovery, etc., and if the insured person needs to be referred for treatment due to the pregnancy specified by the insurance liability during the insurance period, the project housekeeper can provide a green channel for examination, hospitalization and surgery in the top three hospitals, and the medical experts will design the treatment plan.

For example, for a 30-year-old pregnant woman, it costs 491 yuan to insure the product. Suppose that the woman developed pregnancy complications during the insurance period, during which hospitalization cost a total of 100,000 yuan. After deducting the social security reimbursement amount of 20,000 yuan and the deductible of 10,000 yuan, the "pregnant mother insurance" can finally pay 70,000 yuan.