If
travel is inevitable for a lady who is expecting, then insurance is
absolutely mandatory for her. There are several risks to a pregnant
woman while she travels.
There may be epidemics that might jeopardize her health and of the one
she’s carrying. Also, the means of travel have their own dangers. You
must take all these into account before leaving for a trip.
Most insurance will cover you up to the 28th week only. But if you acquire the right kind of awareness and attitude, you will be able to travel up till the 34th
week of your pregnancy. But you must be prepared to run around a lot
because there are seldom insurance houses that would be willing to take
up that kind of risk.
The
first thing to take into account is the mode of transportation. Cars
are no problem. Bus tours are OK to take in this period. However, if the
region is hilly and rocky, there is increased difficulty. Trains and
boats also do not pose much of danger. Flying is the most hazardous way
to travel in this condition. Apart from the anticipated risks of
turbulence and crashes, the pressure in the air is different and the
lady as well as the baby might be able to cope with it. It might
complicate the delivery and lead to premature one. Many airlines do not
even let women travel after a certain stage of pregnancy.
Do not try and scrimp on insurance on pregnancy.
This is a period that you should take chances with at all. Even if you
are getting a cheap deal, stick to what gives you peace of mind.
If
you do decide to push the boundaries and travel late into the
pregnancy, check the facilities in the country you are visiting. Chances
are you might end up having your baby there. So gather sufficient
information about how your insurance will help in this situation. Ask
whether cashless facility is available. Child birth is generally a
very chaotic event. You may not be able to arrange cash for the bills
immediately. Along the same lines, check out what the nursing facilities
there.
The
most important fact here is that many policies cover only traveling
risks. To ensure you are not stuck in a situation where the flight is
insured but you are left vulnerable after that. Be absolutely clear
about the terms of your insurance and how far they will cover you. If
your travel insurance falls on some aspects, it is best to bet another health policy just for your pregnancy.
There are some conditions under which no company offers coverage:
1) Companies
will not cover you if the nature if conception is not natural. If there
is any kind of medical intervention, no claims can be made on coverage.
Only natural pregnancies are covered.
2) If you have had a previous pregnancy that was difficult.
3) If you already have some complications.
