Maternity Insurance

Hi, I wanted to buy the maternity insurance so I have approach my agent. Prior to that, I was diagnosed with ovarian cysts and have make known to my agent on the claims regarding the cysts surgery. So during the session with my agent, she insist I declared that I have ovarian cysts (even my gynae told me this have nothing to do with my pregnancy and my kind of cysts are unlikely to cause complication during delivery). So to apply for this maternity insurance, I need to submit together with my diagnostic report of my ovarian cysts. To make matter worst, my agent was unsure whether I can be insured under maternity insurance. Today, my agent inform me that the company requires me to further furnish, 1) Harmony Test/Oscar Test and 2) week 20 detailed report (I have to bear all the cost). I am so furious! I mean what has my ovarian cysts have to do with the abnormalities of my baby?! I am so angry and decided to withdraw my application. Any mummies with ovarian cysts but managed to get insured under maternity insurance? What maternity insurance (other than GE) do you recommend?

Anonymous

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I don't have ovarian cyst but had similar annoying encounter when I initially wanted to take GE maternity insurance. Just because I declared my asthma and G6PD deficiency. Anw for me I alr went for NIPT test voluntarily before deciding on the insurance but it takes so long for GE to approve. And when I was informed tt I cld go ahead with the insurance, my agent informed tt the premium will be much higher due to my condition, which honestly also do not really affect my pregnancy. I even had a doctor's note on it. Eventually I decided to go with AIA instead. I don't even need to submit any extra docs and it was approved a week later! I thought GE wld be easier since I alr hve insurance with them but turns out so troublesome -.-

Anonymous

3y ago

Thanks for replying, I am now waiting to do my week 20 detailed scan, if GE gonna raised my prenium, I will take another insurance. I also initially thought that I am insured under GE, buying maternity insurance would be easier.

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