IMG insurance company:
Guaranteed regional scope-global
Annual total limit-$5 million
Hospitalization-100%
Outpatient (emergency) medical treatment (including physical therapy, Chinese herbal medicine, etc. ) - 100%
Women's reproductive protection (prenatal and postnatal examination, prenatal prescription for vitamin and calcium supplementation, natural delivery, medically necessary surgical delivery, abortion and treatment of pregnancy and delivery complications; The cost of two B-ultrasound examinations during each pregnancy; Newborn 14 days nursing fee, immunization fee and treatment fee)
Premium: about $3,000
Insurance amount: 50,000 USD, deductible: 65,438+0,000 USD.
Waiting period-10 month
Bao Bai Yongcheng:
The maximum annual guarantee for hospitalization is $2.55 million, and the maximum annual guarantee for outpatient service is $42,500.
Maternity-related guarantees are as follows:
1. Delivery check: 3365438 yuan +050 yuan. This responsibility is included in the outpatient module.
2. Natural delivery: 88,400 yuan for the core hospitalization module.
3. medically necessary caesarean section: 65438 yuan +043650 yuan.
if
Bupa cannot regard caesarean section as a medical necessity (that is, elective caesarean section), and the upper limit of protection is the upper limit of natural delivery, that is, the maximum protection for each policy year is 88,400. (medically necessary caesarean section, such as dystocia, fetal distress, massive bleeding, etc. ).
4. Pregnancy and childbirth complications are included in the number of places for prenatal examination or natural childbirth.
CIGNA's investment commitment:
The annual limit of hospitalization is RMB 20 million;
Maternity-related guarantees are as follows:
1. Successful delivery (including delivery inspection): the annual limit is 90,000 yuan;
2. Caesarean section (including birth check-up): the annual upper limit is 65,438 yuan+0.8 million yuan;
If you are not sure that your caesarean section really happened due to medical needs, China Merchants Cigna will pay according to the liability limit of normal pregnancy delivery (natural delivery).
3. Pregnancy complications are covered in the complex pregnancy quota of 6.5438+0.8 million.
Mingya 99(0-50 years old):
There are 200,000 outpatient places, 3 million inpatient places and 6,543,800 birth places in Greater China.
Premium: 2 1299 including your hospital (United Family, etc. ) 17699 excludes your hospital.
Global outpatient quota100000, hospitalization quota100000, and birth quota of 200000;
Premium: 29999 includes expensive hospitals (United Family, etc. ) 23999 does not include your hospital.
(including prenatal and postnatal vitamins and calcium) natural delivery, abortion, uterine delivery and pregnancy complications.
Second, the following are suitable for pregnant mothers to buy:
Peace group:
Premium: 40,000 RMB.
Coverage: RMB 654.38+10,000.
Conditions of purchase: you need to buy it with another one who is not pregnant, such as helping your husband buy a mainland plan. The premium is about 6,543.8+0,000 RMB.
Waiting period: none, the insurance will take effect immediately.
The following is the insurance for baby protection:
IMG: The premium is low, about $65,438+0,000. The baby can buy it separately.
Peace Corps work: In addition to the delivery expenses and unexpected expenses (premature delivery or massive bleeding) of pregnant women, the child's congenital diseases are also guaranteed at RMB 60,000.
Bao Bai Yongcheng:
1. In the maternity protection of mothers, ensure no more than 7 days of routine care;
2. Babies born after the mother's policy comes into effect 10 months can be insured from the date of birth, and they can enjoy a 10% discount on premiums without underwriting;
3. In the first 90 days after insurance, the upper limit of protection is 827,500, and the congenital disease protection is 2,265,438+0,000,000, which can be enjoyed after 90 days;
4. The module insured by the baby does not need to be the same as that of the mother, so if you think you can get pregnant in the first year, you only need to insure the hospitalization module;
5.20 13, 10 months later, the premium for 0-6-year-old babies after 10% discount for hospitalization and outpatient service is 2 1 177.45. When the baby joins, he only needs to pay the premium before the policy expires.
CIGNA's investment commitment:
1. Routine care for newborns with the longest 10 days after birth;
2. Babies born after the mother's insurance policy takes effect can be insured from 0-7 days, which can be traced back to the first day at the earliest. It will take effect 8-30 days after the premium is received;
3. In the first 90 days after birth, the upper limit of protection is RMB 65,438+RMB 0,000,000, including outpatient services necessary for medical treatment due to illness;
4.9 1 day, and the upper limit of protection is RMB 20,000,000/policy year;
The amount of insurance that mother and baby can enjoy together is 250,000.
6. Baby and mother are insured with 0 deductible and annual premium16729.7,6500 deductible. When the baby joins, he only needs to pay the premium before the policy expires.
China Merchants Cigna's underwriting rules stipulate that the insurance plans of mothers and babies must be consistent.
Three. Advantages and disadvantages of the above four kinds of insurance suitable for neonatal protection:
1, IMG: The baby can buy it separately, and the price is about 1000 USD, which is relatively cheap and provides comprehensive protection for the baby. The disadvantage is that the vaccine is not covered. And there are no nationality restrictions.
2. Mingya 99: The advantage is that it includes outpatient service, hospitalization and medicine, but the newborn can only join it 28 days after birth, which requires underwriting, and does not include the baby's congenital disease protection, so the protection is weak. The global plan is suitable for mothers who don't care much about baby protection when giving birth in the United States.
3. Bupa and CIGNA plans are more stable and more suitable for babies. Considering that you still need to go to a place like United Family to see an outpatient clinic, you can consider Bupa's hospitalization plus outpatient clinic. If you think you can give birth as scheduled within 1 year, you can only buy Bupa's hospitalization module.
4. CIGNA premium is slightly more expensive, but newborn welfare is better for the baby. Moreover, the vaccine protection is also sufficient. Bupa and CIGNA plans allow babies to join the plan on the first day after birth, and can bear the risk of hospitalization and outpatient service within 90 days without insurance, including the protection of congenital diseases.
IV. Vaccine insurance for newborns:
1, Allianz vaccine insurance: adults and children need to buy it together, and the premium is about $3,000. There is no limit to the number of vaccines, but there are nationality restrictions. Please provide the detailed addresses of third countries and Chinese mainland other than the United States. The third country can be a permanent address or the address of a relative's home.
2. IMG Gold plus: the baby is insured separately: 1 155 USD.
Out-of-pocket expenses exceeding 7,000 RMB, 250 USD for outpatient service and 500W for hospitalization. During the package activities, you need to buy free doctor vaccination training and a 50% discount on stored value cards. It can be used for 0-3 years old.
3. Bupa
Bupa's vaccine has an upper limit, 1 1050 yuan (RMB). Although the amount is not too high, there are no restrictions on the types of vaccines, which are relatively cost-effective and buy more mothers. At the same time, there is no nationality restriction.
4、CIGNA
The upper limit of CIGNA vaccine is 80000 (for outpatient use).
There are 10 kinds of vaccines, namely: 1, DTP (diphtheria, pertussis and tetanus) 2, MMR (measles, mumps and rubella); 3. Haemophilus influenzae type B; 4. Polio; 5. Influenza; 6. Hepatitis B; 7, chickenpox; 8. pneumonia; 9. Meningitis; 10, human papillomavirus;
This insurance cost is relatively high, and mom can choose according to the actual situation.
How to pay attention
Pay attention to Weibo @Ada was born in the United States to learn more about having children in the United States.