While a China Health Insurance plan with a Maternity Coverage Benefit will protect you against the costs of giving birth anywhere in the world, it is important to secure healthcare protection for your new baby. The best way to do this is with a New Born Child Coverage benefit on a China Medical Insurance plan, which will protect your infant against the costs of their healthcare in the event that they are born requiring medical treatment.
CCW Global can provide Global Newborn Child Insurance plans in China with No Waiting Periods, meaning that you can purchase and obtain coverage for your newly delivered child as soon as possible. In addition to this, China Newborn Child Health insurance plans offered by CCW are normally Guaranteed Renewable for Life, ensuring that your infant will have the comprehensive medical protection they need for the rest of their life, no matter what the state of their health may be at birth.
Coverage offered under a New Born Child Insurance coverage benefit is usually in addition to that which is provided by a China Maternity Insurance Plan, and will protect you against the costs of healthcare in the event that your baby is born requiring medical treatment.
Coverage under a China New Born Child Insurance benefit will usually include:
Depending on the type of New Born Coverage you opt to include in your China Health Insurance plan your infant can also receive protection for:
Because CCW Global is able to provide China Health Insurance Plans from a wide range of leading International Insurance Companies, it is important to understand the exact levels of protection available under a New Born Child Coverage benefit in China will vary depending on the specific plan or insurance company you choose to purchase.
New Born Child Coverage under a China Medical Insurance plan is typically offered in one of two ways. You are normally able to select the option of having your child receive a Free Benefit or the infant can be Born Into an Existing Plan.
If you have elected to receive a Free Benefit for your baby under a China Health Insurance plan then your new-born will receive coverage up to a pre-determined Time or Financial limit, completely free of charge.
The Free Benefit period under this type of New Born Coverage option will generally last for the first 30 days of life, or the first US$ 30,000 in medical costs, whichever comes first. Once the limit has been reached, in order for your infant to continue receive China Health Insurance coverage a new application must be submitted to the insurance company.
In the event that the Child has been born with a serious health condition which has required care under the Free Benefit, any subsequent application for China Health Insurance coverage for the infant will normally treat the baby’s health condition at birth as pre-existing under a new policy (when a new application is made). Additionally, any application for continuing coverage for the infant will carry a premium charge; so although the free benefit period of cover is cost-free, you will have to pay a fee for obtaining coverage for your infant outside of the free benefit period.
As such, it can be seen that a New Born Child Insurance Free Benefit is useful if your infant is born in good health. However, in the event that the child is born with a medical condition which requires treatment a Free Benefit may not be the optimal China Health Insurance Solution.
If you are concerned about your baby being born with a medical condition which requires treatment, or if you would like to guarantee global health insurance protection for the infant for the rest of their life, then having your child Born Into an Existing China Health Insurance plan may be the optimal solution for your needs.
If you have your child born into your existing China Health Insurance policy then the infant will receive the same levels of coverage as you currently obtain under the plan in the event that they have a medical condition which requires treatment at birth. On top of this, because China Medical Insurance policies from CCW are normally guaranteed renewable for life, your Child can receive comprehensive medical protection for the rest of their life, no matter what the state of their health may be at birth.
Much more comprehensive than a Free Benefit for New Born Child coverage, having your Child Born Into a Plan does mean, however, that you will have to pay a higher overall plan premium for your child’s insurance protection.
If you would like to receive a free quote for a New Born Child Insurance Plan in China, please complete the short form at the top of this page. Once we have received your quotation request an expert China Family Health Insurance broker will contact you to discuss your requirements and provide a comprehensive overview of all the leading medical insurance options best suited to meet your specific requirements.
You can also Contact CCW Today to learn more about the New Born Child health insurance plans we offer to expatriate families in the People’s Republic of China.Print or Share