Our policyholders frequently ask us about how to include a newborn in a health insurance policy. Today we will talk about the procedure: documentation, deficiencies, exclusions…
Childbirth in health insurance
When a woman is going to become a mother and has been insured in the health insurance policy for more than 8 months (this is the most common waiting period to cover childbirth in the insurance company), she will be able to choose:
- Childbirth through Social Security
- Giving birth in private health care, charged to the health insurance company
This choice is decisive for what we are talking about.
If the delivery takes place in the public health care system, the medical questionnaire must be completed; if the delivery takes place in the private health care system, it may not be necessary.
How to include a newborn baby in the medical insurance?
As we were saying, it will depend on where the delivery takes place:
- If covered by private insurance: the baby’s initial care is provided through the mother’s insurance. A period ranging from 15-30 days, depending on the company, is given to register the child with the insurance, for which only the application (not the health questionnaire) should be completed.
- If you give birth by other means: you will have to fill in the insurance application and the medical questionnaire, both of them.
This varies depending on the company, which may have more or less requirements to include the child.
What are the insurance advantages of giving birth “privately”?
As we have seen, the only requirement is to complete the insurance application (basically for the purpose of identifying the baby). Thanks to this:
- By not filling out a questionnaire, the company assumes that the baby may have been born with some type of pathology, and does not exclude it (as long as the baby is discharged within those 15-30 days).
- No waiting periods for the child are eliminated as the child is enrolled almost immediately. Therefore, you can make full use of the policy from day one.
On the other hand, if it is not done by these means, we risk that if the child is born with a congenital disease, the insurance company, upon seeing the medical questionnaire, could exclude certain diseases. However, we are not saying that one is better than the other. In fact, public health care has exemplary resources for this service. We are simply pointing out the consequences of this decision for the baby’s discharge from the parents’ health insurance.
If you want to have the best health insurance for families, do not hesitate and enjoy the advantages of our group insurance with exclusive rates nationwide.
