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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Hi, My wife has an ovarian cyst removal in June 2019. We bought maternity insurance with AIA. Same thing, they asked us to submit all the scan report you have mentioned plus the discharge report for the cyst operation and also a questionnaire for gynae to fill. Application is accepted with an loading of $200+. I think is better to declare as per whatever they asked for, better than having to pay for premium and have a dispute with the insurance company later.

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