Our policyholders frequently ask us about how the following is produced the inclusion of a newborn in a health insurance scheme. 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 for the insurance company to cover childbirth), she will be able to choose:
- Delivery through the Social Security
- Giving birth in the private healthcare, charged to the health insurance
This choice is decisive in terms of what we are talking about.
If the birth takes place in the public health the questionnaire doctor and if it is in the private it is possible that is not necessary.
How to include a newborn baby in the health insurance?
As we were saying, it will depend on where the birth takes place:
- If it has been covered by insurance privateInitial care for the baby is provided through the mother's insurance. A period of 15-30 days is given, depending on the company, to register the child with the insurance company, for which only the application form (not the health questionnaire) has to be filled in.
- If you give birth by other meansThe following form will have to be completed application for insurance and the medical questionnaire, both.
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 fill in the insurance application (basically for the purpose of identifying the baby). Thanks to this:
- By not filling in a questionnaire, the company assumes that the baby may have been born with some form of pathology, and does not exclude it (as long as the discharge occurs within those 15-30 days).
- See eliminate grace periods for the child as he/she is registered almost immediately. Therefore, he/she 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, when looking at the medical questionnaire, might exclude certain diseases. However, this is not to say 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 family health insurance, do not hesitate, and enjoy the advantages of our group insurances with exclusive rates at the national level.
