Insurance companies provide security for expectant mothers for the 9-month period with maternity insurance and ensure that they give birth in hospitals equipped with the latest technology. Maternity insurance is a type of health insurance that covers routine pregnancy check-ups, pregnancy tests, pregnancy examinations, normal or cesarean birth expenses. However, newborn health insurance is independent of maternity insurance.
The costs of your baby’s first check-up and first tests after birth are covered by the birth insurance. However, expenses incurred in the event of your baby experiencing complications after birth or being placed in an incubator are not covered by the birth insurance. Newborn health insurance should be taken out for all other possible risks after birth.
If you want to provide coverage for your baby against complications that may occur after birth, you need to add newborn coverage to your maternity insurance. Newborn coverage is an insurance that can only be added to private health insurance. There is no supplementary health insurance newborn coverage.
What is Newborn Health Insurance?
Newborn coverage can be added to the mother’s policy, provided that she has purchased birth coverage. In contracted healthcare institutions , you can create coverage for the following situations during the baby’s hospital stay, within the scope and limit of the newborn coverage:
- Nurse monitoring
- Doctor follow-up
- Vaccine costs
- Incubator costs
- Laboratory tests
In addition, even if your baby is discharged from the hospital, hip ultrasound, hearing test and phenylketonuria test are covered within the newborn coverage limit.
Newborn coverage is limited and if the treatment expenses related to the baby exceed the specified limit, the coverage ends. Parents who want to be covered for their baby’s health expenses can get a private health insurance for the newborn or a supplementary health insurance for babies.
There is a golden rule for newborn health insurance. The baby must be added to the family’s private health insurance within the first 15 days of birth. Babies added to the policy in this way gain a lifetime renewal guarantee from birth. The congenital diseases of the baby added to the health policy within the first 15 days are also covered by the insurance company for the rest of their life. In addition, the waiting period for inpatient treatments does not apply to babies with newborn insurance.
If newborn health insurance is purchased after 15 days after the baby’s birth, no congenital illnesses are covered by the insurance company. If baby health insurance is purchased after the first 15 days, only a lifetime renewal guarantee is given. In other words, adding the baby to the health policy within the first 15 days is important in terms of the rights it will gain.
It is important that the newborn baby is included in the family’s existing health policy within the first 15 days. If you want to follow up on this important process with us; you can get an offer immediately and contact our insurance consultants. Thanks to our insurance consultants, you can easily find the best health insurance for your baby.
What Does Newborn Health Insurance Cover?
Newborn insurance includes health services such as nurse follow-up, doctor follow-up, vaccination costs, laboratory tests. In baby health insurance or newborn health insurance, incubator service is also included in the policy. All services provided under the umbrella of baby and health are covered within the limits and rates specified in the policy.
What is Newborn Coverage?
Newborn coverage is a type of coverage that can only be included in Private Health Insurance, it is not possible to add it to Supplementary Health Insurance. Newborn coverage covers the expenses of examinations and routine tests to check the health of the baby after birth. For example, expenses arising from procedures such as newborn baby blood group determination, metabolic screening test, otoacoustic emission, or hearing test, are covered under the newborn package. In multiple pregnancies, the newborn package limit is applied separately for each baby. Health expenses are covered by the insurance within the newborn package coverage limit and payment percentages.
Private Health Insurance for Babies
Women who will give birth with private health insurance need to have detailed information about newborn coverage. Private health insurance provides coverage for pregnancy and birth, but you need to create a separate coverage for your baby. This situation, which varies from insurance company to insurance company, is an important issue to consider before obtaining private health insurance birth coverage.
Click to examine private health insurance coverage in detail !
Conditions for Accepting Private Health Insurance for Newborns
Insurance companies’ acceptance conditions for infant private health insurance are as follows:
Allianz Insurance : Routine checkups and examinations, blood group determination, metabolic screening test, hearing test, premature birth and low birth weight (SGA) related health expenses are covered by the relevant coverage. If the baby is insured within the first 15 days following birth, it is entitled to a lifetime renewal guarantee from birth.
Anadolu Sigorta : Before the baby leaves the hospital, the expenses related to the examination, routine tests and check-ups related to the healthy newborn baby are covered by the mother’s birth insurance. The newborn incubator insurance must be purchased separately. If the baby is insured within the first 15 days following birth, it will be entitled to a lifetime renewal guarantee from birth.
Axa Insurance : During their hospital stay, the costs of nurses, doctors, vaccinations, possible incubator expenses and necessary laboratory tests, hip ultrasound, hearing test and phenylketonuria test are covered by the newborn coverage. If the baby is insured within the first 60 days following birth, they are entitled to a lifetime renewal guarantee from birth.
Demir Sigorta : The baby’s routine expenses and all health expenses incurred until discharge from the hospital are covered by the mother’s birth guarantee. If the baby is insured within the first 14 days following birth, it is entitled to a lifetime renewal guarantee from birth.
Groupama Insurance : Routine newborn care and examinations are covered by the mother’s birth insurance. For treatment expenses incurred due to newborn babies staying in an incubator after birth, a newborn incubator expense insurance must be purchased separately. If the baby is insured within the first 14 days following birth, he/she is entitled to a lifetime renewal guarantee from birth.
Türkiye Sigorta : Routine newborn expenses incurred during the period of stay in the hospital after birth are covered by the mother’s “Pregnancy Follow-up” coverage. If the baby is insured within the first 30 days following birth, it is entitled to a lifetime renewal guarantee from birth.
Mapfre Insurance : Hospital expenses incurred for the baby, excluding neonatal complications and congenital diseases, are covered under the mother’s birth guarantee. If the baby is insured within the first 14 days following birth, it is entitled to a lifetime renewal guarantee from birth.
Ray Insurance : Until the mother is discharged from the hospital, the baby’s doctor follow-up, vaccinations, possible incubator expenses, and laboratory tests if deemed necessary are covered from the remaining limit of the birth guarantee. If the baby is insured within the first 30 days following birth, it is entitled to a lifetime renewal guarantee from birth.
For newborn private health insurance prices, you can contact us at (0216) 368 45 45 .
Supplementary Health Insurance for Baby
Insurance companies do not provide coverage for newborns under supplementary health insurance. In other words, there is no newborn coverage that you can receive as in private health insurance. Health expenses other than routine doctor visits and routine tests are not covered. However, newborns can be added to the mother’s or family’s health policy according to the special conditions of the baby insurance company.
If you add your baby to your health policy, you can cover the health expenses from the insurance company. In the rest of the article, you can find the special conditions that insurance companies apply for newborn supplementary health insurance.
Conditions for Acceptance of Supplementary Health Insurance for Newborns
Insurance companies’ acceptance conditions for infant supplementary health insurance are as follows:
Allianz Insurance : The baby’s health expenses are not covered in the first 15 days after birth. After the 15th day, the baby can be insured together with the mother.
Anadolu Sigorta : The baby’s first doctor’s check-up and first tests are covered by the mother’s birth insurance. All other health expenses are not covered. If the baby is added to the health policy within 15 days following birth, all congenital illnesses and health expenses are covered.
Demir Sigorta : Expenses related to the newborn baby are not covered. After the 15th day, the baby can be added to the mother’s health policy.
Ray Insurance : All expenses are covered by the insurance company, provided that the baby is added to the health policy 72 hours after birth.
How to Get Newborn Health Insurance?
In order to obtain newborn health insurance, the procedures listed below must be followed:
- If the mother has a health insurance policy that includes maternity coverage, the baby can be included in that policy by paying an additional premium.
- If the mother does not have supplementary health insurance or private health insurance with birth coverage, she can get health insurance 15 days after the baby is born. Generally, babies need to be insured together with their mother or father.
For detailed information, you can contact our expert insurance consultants at 0216 368 45 45.
Why is Baby Health Insurance Important?
Products such as baby private health insurance and welcome baby insurance are great health assurance for your baby who has just opened his eyes to the world. Health care is of great importance especially in the first months for babies who come into the world defenseless and carry the risk of all kinds of health problems.
Babies need routine doctor check-ups and vaccinations. In addition, it is inevitable that the doctor will occasionally request some tests. These laboratory or imaging procedures will also bring serious health expenses to the agenda. Sometimes for routine and sometimes unexpected situations, having hospital and health expenses under insurance provides financial defense against any possible risk. During this process, having insurance is one of the biggest investments we can make for ourselves and our babies.
Is There Insurance for Babies?
Babies can be insured. There are certain conditions required to obtain baby supplementary health insurance. Babies can be included in the supplementary health insurance coverage together with their mothers and can benefit from the services provided by the insurance.
However, some insurance companies cover babies after the 15th day of birth. Therefore, families may have to pay for health expenses incurred in the first 15 days out of their own pockets. So what is this 15-day rule? Let’s talk briefly.
What is the 15-Day Condition in Supplementary Health Insurance for Babies?
Some insurance companies have a 15-day requirement. Babies are not covered by insurance for the first 15 days after birth, and the family is responsible for any possible risks and health expenses. After the first 15 days, health insurance can be obtained for babies. This is not a procedure that 100% of all insurance companies apply, but most companies pronounce the first 15-day rule.
Baby Private Health Insurance Prices 2024
There are many factors that affect the prices of products such as mother and baby private health insurance or private health insurance for babies. Details such as the baby’s age, gender, current health status and geographical location, i.e. the city where they live, can affect the prices of baby health insurance.
You can call us at our call center at 0126 368 45 45 to get baby supplementary health insurance or private health insurance and get detailed information. You can also request that we call you by filling out the offer form on our website. Our insurance consultants will provide you with detailed information about insurance coverage, special conditions, general conditions, premium prices and 2024 prices. In this way, you will have the opportunity to evaluate the offers offered by multiple insurance companies on a single screen and choose the most suitable insurance.
Private Health Insurance or Supplementary Health Insurance?
The answer to this question varies depending on your expectations, needs and budget.
Private health insurance offers more comprehensive health services related to baby health. It also covers the risks that may occur in your baby after birth. The important point here is the limit and co-payment rate you set for your maternity insurance and newborn coverage.
The copayment rate in private health insurance means that you share the expenses with the insurance company. In other words, if you set your copayment rate as 80%; 80% of your baby’s health expenses will be paid by the insurance company and you will pay the remaining 20% to the hospital yourself.
There are also annual limits set for private health insurance. If you set a limit of 3,000 TL for your baby’s health expenses, you should not exceed this limit during the year.
The copayment rate and annual limit amount you will determine for private health insurance newborn coverage will also affect the premium you will pay. The higher the copayment rate and limit amount, the higher the premium you will pay.
If your budget is not enough to buy private health insurance, supplementary health insurance can be a good alternative for you. Supplementary health insurance has unlimited maternity coverage and no co-payment rate.
Supplementary health insurance only covers the first routine check-ups and examinations for the newborn. The expenses for the first check-up and examination of the baby are covered by the mother’s maternity package. In order to cover other expenses related to the newborn, the baby must be insured by adding it to the mother’s or family’s health policy.
Every parent wants to take some precautions for the health of their newborn baby. You can insure your unborn baby under private health or supplementary health insurance.
Baby Health Insurance Prices
Baby health insurance prices are determined by your baby’s age, gender, health status and the city where he/she lives.
If you want to get a supplementary health insurance for your baby, you can get a quote from our website to review the prices offered by 16 insurance companies on a single screen. Let’s choose the private health or supplementary health insurance that best suits your expectations, needs and budget together.
You can call us every weekday between 09:00-18:00 at 0216 368 45 45 .
Stay healthy.