Soul, only enhanced plan covers
GG Lee, this coverage came into effect in Sept 2008. So, it means 10 mths after this effective date. And coverage kicks in 10 mths after u first bought the policy. I presume u hv the policy for many yrs like me! So, we r covered. I hv a rider that covers 10% co payment and excess too which was no longer offered. That means, my coverage is 100%. Bills incurred 90 days before and after the incident can claim too. I had a mid term miscarriage and another early miscarriage last yr. i filled up the form at pt of admission & didn't even cme out with a cent for the hospitalization bill. Income settled the bill for me. 90 days after the hospitalisation, I sent in all my invoices, including gynae visits, scans, oscar scans, etc 90 days (when I was preg) before and after my hospitalisation to income. Within a mth, I receive a cheque of the entire Amt I spent during that period. I was with KKH then n my plan is for restructured hospitals. So if I go pte, My coverage will be 65% instead of 100%.
If you look at the benefit tables carefully, it also covers bb at birth on certain items.
In addition to that, this pregnancy I bought additional coverage for bb if bb stays in SCU or NICU at birth (touch wood!!)