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China Maternity Insurance & Having a Baby in China
Pregnancy insurance is officially known as maternity insurance. If you are planning on having a baby in China it is important that you are covered for birth, prenatal, postnatal and emergency neonatal medical care. In addition you need access to great medical care in a clean environment (see hospital types) and doctors who speak your language. The problem is this can be expensive in China.
What Is Included Within a Hospital Maternity Package?
Included within maternity package: Pre-natal examinations, natural delivery, post-natal examinations, baby care and standard examinations and vaccinations needed within the first few days.
Not included within maternity package: Pre-natal treatment, post-natal treatment and examinations, complications during delivery and baby medical problems
Make sure you have adequate insurance to cover additional and unforeseen costs which aren’t covered in a standard maternity package.
What Does a Maternity Package Cost in China?
There are a number of maternity clinics expats may have heard of or be familiar with. The below table contains the cost of maternity packages including pre-natal, child birth and cesarean section at various popular international facilities in China.
|United Family Healthcare Shanghai||High-cost provider||CNY 79,000||CNY 119,000|
|Shanghai Redleaf International Women’s Hospital||Private hospital||CNY 98,000||CNY 150,000|
|Shanghai American-Sino Ob/Gyn/Pediatrics Services||Private hospital||CNY 70,000||CNY 95,000|
|Worldpath Clinic International||Private hospital||CNY 70,000||CNY 95,000|
|Shanghai East International Medical Center||High-cost provider||CNY 74,800||CNY 94,800|
|Shanghai Inpatient Department (Huashan)||Private hospital||CNY 55,000||CNY 65,000|
|Beijing United Family Healthcare||High-cost provider||CNY 86,800||CNY 108,800|
|OASIS International||Private hospital||CNY 60,600||CNY 86,600|
|New Century Healthcare||Private hospital||CNY 41,616||CNY 52,416|
|AMCARE Beijing||Private hospital||CNY 60,782||CNY 77,792|
|AMCARE Shenzhen||Private hospital||CNY 69,070||CNY 88,400|
|Elizabeth Women’s Hospital||Private hospital||CNY 85,000||CNY 95,000|
Discounts: Sometimes clinics will offer discounts on the above prices which range from 12% to 5%.
*The above costs are estimates based on information available on hospital websites, enquiries made and costs our client’s have experienced.
Which Are the Best Maternity Insurance Plans?
Most insurers have a maternity option. However not all maternity plans were born equal. We’ve only listed the plans we ourselves would buy and the reasons below are clear.
|Bupa Elite Plan||NOW Health Apex Plan||Allianz with Maternity||MSH Premier Plan|
|Cover Limit||CNY 94,000||CNY 110,250||CNY 63,000||CNY 68,000 / 40,000|
|Pregnancy complications||Fully Covered||Fully Covered||CNY 126,000||Fully Covered|
|Waiting period||12 months||12 months||12 months||12 months|
|Is a medical questionnaire required to add a newborn?||Not Required||Not Required||Not Required||Not Required|
|Cover Congenital Conditions?||Yes||Yes||Yes||No|
|Other relevant information?||One child 10y/o and under free.||None||Both parents must be on the
plan to choose maternity cover
|Relative Value for Money||Good||Excellent||Poor||Excellent|
The Bupa Elite Plan is one of the most comprehensive in terms of overall cover. It’s expensive initially however when you factor in that your first child under 10 y/o is added for free (or two if both parents are on the plan) and that both parents don’t necessarily need to be covered under the plan, this offers exceptional value for people planning to start or expand their family and who want worldwide cover. In addition it’s the only plan that covers pre-natal costs within their outpatient plan meaning it’s the only insurer which can cover the costs of the most expensive maternity packages.
Now Health offers great value maternity plans by allowing you to reduce costs by adding inpatient and outpatient deductibles and other restrictions onto the plan. If you want a plan primarily to cover maternity in private hospitals and wish to lower costs, then this plan is offers the best value for money.
Maternity insurance is expensive, and for those of you who are willing to work a little harder to find a lower cost maternity package and don’t mind the lack of cover for congenital conditions, the most reasonable lowest cost option is the MSH Premier Plan.
Disclaimer: the figures and views are subjective and based on our research, experience and client feedback.
What Type of Hospital Is Best For Maternity in China?
Coverage for Your Newborn
Most plans designed to cover maternity healthcare will ensure that there is at least some coverage for the newborn baby, if only for a short period of time. This length of time will be different for every policy as it depends upon the insurer and the plan, so you need to be aware of the limitations on this. There are some policies that offer full coverage, but these will bring with them high premiums. There are policies that have financial caps on the benefits for newborns. There may also be time limits for post natal care. You do need to be prepared in case your newborn needs some medical care after the birth. Expenses such as vaccinations are standard but you should also be prepared in case there are unexpected complications, which can incur very high bills.
There are many maternity insurance policies that offer cover with stipulations for assisted pregnancies, including those that have occurred as a result of IVF treatment. There may also be considerations for second and third pregnancies, particularly if the first child was delivered by C-Section. If any of these apply to you then you need to be aware that the cost of your pregnancy healthcare can rise dramatically. Make sure you make us aware of all the relevant details so that a member of our team can advise you accordingly.
How to Get Started
When you are considering maternity insurance you need to plan as early as possible. Most insurers will put a waiting period into place on a maternity policy so that you will only be able to claim on them after you have had the policy in place for a minimum of 12 months, so planning ahead will be to your advantage.
Fill out the form or chat to one of our consultants today and we will ensure you have all the information you need to plan for pregnancy.