Does the maternity insurance for 35 year old women include infant and newborn protection

In recent years, with the trend of postponing the childbearing age, the number of elderly mothers over 35 years old has gradually increased. For this part of the population, it is important to know whether infant and newborn protection is included. This article will elaborate from four aspects: insurance content, related protection scope, cost payment and actual cases.

1. Insurance content

In the maternity insurance for 35 year old women, the insurance content of different insurance institutions may be different. Generally speaking, the insurance covers the following aspects:

First of all, the expense reimbursement of prenatal examination covers the basic items of prenatal examination and screening of common diseases. This item can help pregnant women find potential problems in time and do a good job in prevention and treatment.

Secondly, the reimbursement of delivery expenses, that is, medical expenses during the delivery process, including natural childbirth and caesarean section. Maternity can be reimbursed a certain proportion of expenses according to the provisions of the insurance plan.

In addition, the medical insurance for newborns is also an important part of the maternity insurance for 35 year old mothers, which can guarantee the medical expenses of babies after birth. The purpose of such insurance is to provide comprehensive protection for infants, so that they can get necessary medical care in the first few years.

2. Relevant guarantee scope

Whether the maternity insurance for 35 year old mothers includes the protection of infants and newborns involves the relevant insurance coverage. In general, the scope of protection in this regard includes:

First, the basic medical security after the birth of the baby, including the examination of common diseases of the newborn, vaccination, etc.

Secondly, for infants who need additional medical services under special circumstances, the insurance may also include reimbursement of special treatment items, such as respiratory support or intensive care for premature infants.

In addition, some high-end insurance plans may also provide more comprehensive protection, including neonatal heart disease screening, hearing screening, etc., to ensure the healthy growth of infants.

3. Payment

Whether the maternity insurance for 35 year old women includes infant and newborn protection also needs to consider the issue of cost payment. Generally speaking, the insurance company will pay the relevant fees according to the proportion agreed in the insurance plan.

For maternity related expenses, the insurance company will reimburse them according to the proportion and scope agreed in the policy. For the medical expenses of newborns, there are usually certain reimbursement rates and limits.

It should be noted that different insurance plans may have different payment methods and terms, so when choosing insurance, you must carefully read the insurance contract and fully communicate with the insurance company to ensure that your own and your baby's rights and interests are fully protected.

4. Actual cases

Taking a real hospital as an example, its maternity insurance for 35 year old women includes infant and newborn protection. The insurance coverage provided by the insurance company includes prenatal examination costs, delivery costs and medical insurance for newborns.

In actual cases, the insurance can reimburse 80% of the prenatal examination expenses, 60% of the delivery expenses, and the basic medical expenses in the newborn medical insurance. For special treatment items and additional costs, the insurance company also provided some reimbursement.

The hospital's maternity insurance for 35 year old mothers aims to provide comprehensive medical security for mothers and newborns, and protect their health and safety.

summary

To sum up, maternity insurance for 35 year old women usually includes infant and newborn protection, and its insurance content covers prenatal examination costs, delivery costs and newborn medical insurance. The relevant coverage includes basic medical insurance for infants and reimbursement of special treatment items. When choosing insurance, we need to consider the issue of cost payment and fully communicate with the insurance company. The actual case of a hospital also verified the situation of maternity insurance for 35 year old women, including infant and newborn protection. Therefore, it is very important for the elderly women over 35 years old to choose their own maternity insurance plan and coverage.