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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Almost same case with mine. I had a cyst removal surgery last year and was declared during my application for pregnancy complications, they asked me to wait for about 6 months after my surgery. I waited. They required me to have my Pap smear to see that I’m okay already which I did and other paper results from my previous surgery and pregnancy checkups. Me and my husband was so angry that after all the waiting, submitting all the requirements they asked they still rejected my application for this pregnancy complications insurance. And the most annoying part is our agent doesn’t even say sorry. I mean he let us waited and assume that we can get that insurance which we didn’t. I told our agent that I was frustrated and not happy because of that, he only said “Oh I understand your situations, but still we can fight for it”, he keeps on saying this. But and the end nothing. He keeps on chasing us to sign other insurance instead. Always ask for zoom to explain something which he can do via call or message but all the things he said still the same.😤

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