Insurance Matters

Maternity insurance is recommended for those choosing to deliver in private hospitals both in Hong Kong or the PRD. With soaring costs, ensure that your maternity coverage is activated even before conception. Most notably, make certain that it not only covers the basics such as doctor visits, ultrasounds, labor and delivery, but that it also takes into account the possibility of unexpected complications. Important benefits to look for should include coverage for delivery via caesarean section, delivery with complications, delivery requiring emergency surgery, congenital defect coverage, all pre-natal consultations, post-natal check-ups and hospitalization if needed.