Pregnancy involves a lot of expenses especially when it comes to medical care. Take a look at this list of HMO health cards with maternity coverage.
Note that many HMOs will NOT cover pregnancy and maternity related expenses. However, I was able to find some offers that you may benefit from if you are pregnant.
Best Health Cards for Pregnancy
1. InLife Maternity Care
It is a unique health card wherein you can consume the total amount of the plan together with other benefits.
Prices:
Normal Delivery with 2 days regular private room – Php 61,000
Cesarean Section (CS) with 3 days regular private room – Php 84,000
Benefits:
- One prenatal consultation
- Screening lab test before admission
- Includes Labor room or operating room use
- Required medicines
- Use of equipment
- Vitamin K, BCG, Hep B, eye ointment
- Newborn screening
- Critical congenital heart disease screening
- Hearing test
2. Maxicare Prima Silver (discontinued as of October 12, 2024)
This plan includes unlimited consultation with an OB Gyne doctor. It is an essential benefit especially for those with sensitive pregnancy.
Price: Php 8,888
Benefits:
- Unlimited consultation with OB gyne doctor at any Maxicare Primary Care Clinics
- Access to 24/7 teleconsult services for pregnancy related concerns
- Covers up to 200 prescribed tests and diagnostics
3. Medicard Go
There is an available feature by Medicard Go where you can have a consultation related to maternity matters. Your benefits will depend on the plan type that you will avail from Medicard.
Prices:
60 years old and below (without 5 star hospitals) – Php 30,000
Above 60 years old (without 5 star hospitals) – Php 58,000
Benefits:
- 1 pregnancy per contract year
- Maternity benefit (outright coverage)
An expectant mother will need to spend on various medical services and tests during and after pregnancy.
- Prenatal Check Ups
- Diagnostic tests (ultrasound)
- Delivery (Normal or Cesarean)
- Room and Accommodation
- Surgery or operating room
Most health cards will not cover pregnancy as a medical condition. However, some plans can cover prenatal and postnatal expenses, room and board and complications arising from giving birth.
You may want to compare the HMO price list before you choose a card for maternity costs.
Just like with any other health cards, you simply need to bring your card or present account details to avail the benefits. A valid ID may also be needed to confirm the identity of the enrolled individual.
Some health plans will require a waiting period of 1 year before the benefits become available. On the other hand, those with revolving fund features may provide coverage upon account activation, usually within 24 hours.
While maternity services and expenses may not be covered directly, some health plans may reimburse a part of hospital fees related to complications. This could be a separate criteria after giving birth.
The amount to be covered will be based on the MBL as long as an accredited doctor has approved treatment, test or medication.
Personal Experience:
One of my friends just gave birth last month and she was able to use a health card. The plan covered the surgery since it was a Cesarean section. However, her expenses for the operating room were not included in the benefits.
Room and board were also covered that reached up to Php 7,000. It was not bad at all considering that we usually find health cards without maternity coverage.
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