Are pregnancy and childbirth covered by health insurance?

You and your partner may have been looking forward to pregnancy and the arrival of your baby. However, costs check-up pregnancy and childbirth are not exactly cheap. You'll need to reach deep enough in your pockets to get the best care. Not to mention if later there are unwanted complications and you need special action. Therefore, it is important to know whether at this time pregnancy and childbirth can be covered by health insurance.

Are pregnancy checks covered by health insurance?

The good news is, nowadays there are many health insurance that cover the cost of antenatal care. This aims to prevent the risk of complications that often occur 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 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 BPJS Kesehatan, you can do free pregnancy checks three times: once in the 1st trimester, once in the 2nd trimester, and twice in the 3rd trimester.

You are also entitled to an ultrasound service to see the development of the fetus. However, this should only be done if a problem with the fetus is suspected and as recommended by the midwife or doctor. So, if you want to do the ultrasound on your own, then you have to pay the cost yourself.

Apart from BPJS Kesehatan, other private health insurance also provides protection for mothers and fetuses during pregnancy. But unfortunately, not all health insurance companies offer this one protection.

So, make sure the health insurance you choose has pregnancy insurance coverage. That way, you don't have to worry anymore about the cost of antenatal care.

What about the cost of giving birth, is it also covered by health insurance?

As you are approaching delivery, you may be both happy and anxious. Happy because soon we will meet the baby, but also worried about expensive childbirth costs.

You may be wondering. If the cost of antenatal care is covered by health insurance, is the cost of childbirth also covered?

The answer is yes. BPJS Kesehatan includes government insurance that provides facilities in the form of coverage for childbirth costs, whether it's a normal delivery or a cesarean section. With a note, this process is running according to medical procedures and indications.

For example, you are afraid of the pain during a normal delivery, so in the end you choose just a cesarean delivery. Well, reasons like this will usually not be covered by BPJS Kesehatan. The reason is, the caesarean delivery was carried out because of personal desire, not because of medical reasons proven by a doctor's examination.

Apart from BPJS Kesehatan, several private insurers have also covered the costs of childbirth. The cost of childbirth even includes the cost of hospitalization for mothers, hospitalization of babies, 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 postnatal care services

For those of you who are registered as members of BPJS Kesehatan, the benefits of this health insurance are not only until you give birth. You can still take advantage of postnatal care services or postnatal care (PNC).

PNC services covered by BPJS are carried out three times, namely:

• PNC 1: performed in the first seven days after delivery
• PNC 2: performed on day 8 to day 28 after delivery
• PNC 3: performed on the 29th to 42nd day after delivery

In fact, this health insurance benefit continues until the choice of contraceptives. Here you will be given counseling about family planning programs and contraceptives that are suitable 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 pregnancy and childbirth insurance.

So, make sure you fully understand your rights and obligations before choosing health insurance. That way, your pregnancy and childbirth will run smoothly and ensure the health of you and your baby.