Maternity Moratorium Period
BUPA offers several products, each of which may have a different moratorium period for maternity.
Please let us know if you are subject to one by writing to us.
What is the Maternity Moratorium Period?
Here is an overview of what is covered:
When the mother is enrolled, the assigned maternity benefit can be allocated towards the following:
- Antenatal care, such as ultrasound scans and NIPT;
- Delivery (Routine/Caesarean);
- Post-natal care required by the mother immediately following normal childbirth, such as stitches;
- Routine care for the baby in the hospital following birth. Routine care excludes medical treatment required by the newborn for any medical condition or symptom.
- The norm is two days for a routine vaginal birth and three days for a caesarean. Cover can be provided for up to 7 days if it is medically necessary, meaning the mother is not ready to be discharged to care for the baby.
- Treatment required by the mother due to maternity complications will instead draw from the higher Annual Limit, which is significantly higher than the maternity benefits.
The "Newborn Care" benefit
- This benefit covers the medical treatment the newborn needs for a medical symptom or condition in the first 90 days.
- The cover is ONLY activated upon enrolment of the newborn within 30 days of birth; OTHERWISE, the infant will not be eligible for this benefit and can only be enrolled from the 91st day.
- The newborn care benefit begins from the infant's Birthday; therefore, bills dated from that day onwards will be eligible for claims assessment.
- If you encounter difficulties securing a birth certificate for enrolment within the first 30 days, please contact us promptly (within the first 30 days), so we can appeal the case with the insurer.
This information is intended for BUPA members under the care of The Insurance Concierge only. It may not apply to BUPA members enrolled in other regions