Maternity Moratorium Period
BUPA has several products and each may have a different moratorium period for maternity.
You may find out if you are subjected to one from your membership guide
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, 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 herein excludes medical treatment required by the newborn for a medical condition or symptom.
- The norm is two days for a routine vaginal birth and three days for a caesarean. The cover can provide up to 7 days provided it is medically necessary. i.e. mother is not ready to be discharged to care for the baby.
- Treatment required by the mother due to maternity complications will draw down from the higher Annual Limit instead, which is much higher than the maternity benefits.
The "Newborn Care" benefit
- This benefit provides for medical treatment the newborn needs against a medical symptom or condition in the first 90 days.
- The cover is ONLY activated upon enrolment of the newborn within 30 days from birth; ELSE, the infant will not be eligible for this benefit and will only be able to enrol from the 91st day.
- The newborn care benefit starts from the Birthday of the infant; hence bills dated then on will be eligible for claims assessment.
- Should you have trouble securing a birth certificate for enrolment within the 1st 30 days, please write to us soonest(within the first 30 days), so we may appeal the case with the insurer.