Contents:
- Medical Video: Normal Vaginal Childbirth
- Are pregnancy checks covered by health insurance?
- What about the cost of giving birth, is health insurance covered?
- Health insurance also offers post-natal care services
Medical Video: Normal Vaginal Childbirth
You and your partner may have been waiting for your baby's pregnancy and presence. However, costscheck-uppregnancy and childbirth are not cheap. You have to reach your pocket deep enough to get the best treatment. Not to mention if later there are unwanted complications and you need special action. Therefore, it is important to know whether pregnancy and childbirth can now be covered by health insurance.
Are pregnancy checks covered by health insurance?
The good news is that now there are many health insurance companies that cover the cost of pregnancy checks. This aims to prevent the risk of complications that occur a lot during pregnancy. For example bleeding, preeclampsia, birth defects, or other infections. So, this pregnancy insurance will guarantee the health of the mother and fetus until the time of delivery arrives.
One example of insurance that you can use is the National Health Insurance - Healthy Indonesia Card (JKN-KIS) from BPJS Kesehatan. By registering as a member of the BPJS Kesehatan, you can do a free pregnancy check-up three times: once in the 1st trimester, once in the 2nd trimester, and twice in the 3rd trimester.
You are also entitled to ultrasound services to see fetal development. However, this should only be done if there is a suspected problem with the fetus and is recommended by the midwife or doctor. So, if you want to do an ultrasound with a personal desire, then you have to pay the cost yourself.
Besides BPJS Kesehatan, other private health insurance also provides protection to the mother and fetus during pregnancy. But unfortunately, not all health insurance companies offer this one protection.
So, make sure the health insurance you choose has a guarantee of pregnancy insurance. That way, you don't need to worry anymore about the cost of antenatal care.
What about the cost of giving birth, is health insurance covered?
Towards the time of delivery, you may be struck by a sense of happiness and anxiety. It's a pleasure because soon there will be a meeting with the baby, but also worried about the cost of expensive labor.
You might be wondering. If the cost of antenatal care is covered by health insurance, is the delivery fee also covered?
The answer is yes ,. BPJS Health includes government insurance that provides facilities in the form of coverage for the cost of childbirth, be it normal or caesarean delivery. Note that this process runs according to medical procedures and indications.
For example, you are afraid of pain during normal childbirth, so in the end you choose only Caesarean delivery. Well, the reasons for this are usually not borne by BPJS Kesehatan. Because the caesarean delivery was done because of personal desires, not for medical reasons that were proven by a doctor's examination.
In addition to BPJS Kesehatan, a number of private insurance companies have also contributed to the cost of labor. The cost of childbirth even includes the cost of hospitalization for the mother, hospitalization for the baby, and outpatient care.
Remember, every health insurance company has a different policy regarding childbirth insurance. So, ask your health insurance agent about this service.
Health insurance also offers post-natal care services
For those of you who are registered as members of the BPJS Kesehatan, this health insurance benefit is not only until you give birth. You can still take advantage of postnatal care services orpostnatal care(PNC).
PNC services borne by BPJS are carried out three times, namely:
- PNC 1: done in the first seven days after giving birth
- PNC 2: performed on the 8th to 28th day after giving birth
- PNC 3: performed on the 29th day to 42nd day after giving birth
The benefits of this health insurance turned out to continue until the choice of contraception. Here you will be given counseling about family planning and contraceptive programs that are right for you.
Not only from BPJS, you can also get all the benefits of postpartum care from private health insurance. Again, it should be noted that each insurance company has its own policies regarding insurance for pregnancy and childbirth.
So, make sure you fully understand your rights and obligations before choosing health insurance. That way, your pregnancy and childbirth process will run smoothly and guarantee your and your baby's health.
