Insurance will not cover pre-and postnatal treatments of the(IVF) newborn child

Posted by AKLB (319 days ago)

We are expats living in China wanting to undergo the IVF treatment and have been looking into insurances, and now our company offered us an insurance which does not cover any kind of fertility test (as usual), hormone treatment, insemination or examinations and any procedures related thereto, INCLUDING EXPENSES FOR PREGNANCY, PRE- AND POSTNATAL TREATMENTS OF THE NEWBORN CHILD/CHILDREN
This seems very discriminating! Is this even legal? It's bad enough that the insurances don't cover IVF but not to cover the pre and postnatal treatments of the newborn child is outrageous don't you think!
I appreciate your feedback please let me know what you think!

Thanks
AKLB

(I am based in Other)

Posted by spicegal (319 days ago)

I don't know anything about IVF insurance but we also live in China and our company insurance does not cover ANY maternity related costs. The company told us if we wanted to get pregnant (again) that it was our own business and we should take out our own insurance - problem is it's almost impossible to get an insurance to ONLY cover maternity costs.

Some companies just don't have very good family values IMO....

(I am based in Guangzhou)

Posted by AKLB (318 days ago)

They will pay 100% of the maternity costs ONLY if the child was CONCEIVED NATURALLY..... I understand that they won't pay for anything to do with the IVF procedure, but for them not to pay for anything once you are pregnant just because you became pregnant through IVF seems a little harsh.... Especially since they will pay for everything if it is a natural pregnancy!
What a horrible insurance!

(I am based in Unspecified)

Posted by Christian_Moore (316 days ago)

AKLB

Sorry to hear of your plight, often companies will take out cover that does not include maternity, they are looking after your health only and pregnancy is a position people put themselves into voluntarily, it is very generous of insurance companies to make any payments in relation to pregnancies because insurance usually only covers what is medically necessary.

The fertility issue is because there is a chance of multiple births or children born with congenital issues. Insurance companies are in the business of maintaining a profit and if something is likely to cost them too much money they will exlcude it. They are not a government social service

(I am based in Hong Kong)