You are, Pregnant and alone in Uganda with no maternal insurance coverage. You begin asking yourself, “How am I (are we) going to spend for the maternal expenses?” You know they’re coming, one way or the other, what are your choices?
Logically, you decide that it would be fantastic to obtain on an insurance coverage plan that would cover your pregnancy expenditures. So your next move is to call various insurance coverage suppliers. Shortly you will discover that many insurance coverage companies consider pregnancy to be a pre-existing condition and for that reason would not cover any costs connecting to pregnancy. So you are really Pregnant and alone in Uganda.
If you consider it from the insurance business’s point of view, it makes ideal sense. They understand that if you are currently pregnant, it is an ensured cost from their pocket with all the physician costs, lab costs, medical facility stays and all the other concerned experts. God forbid if you have any complications.
What would be your next move? You may be fortunate to certify for free maternity protection through your county’s health department. That is if your household’s earnings is below or at the poverty level and your country or county offer that.
For all the other folks, the problem stays open. What else can you do? There is undoubtedly a self-pay choice, where you pay for all the costs yourself. It’s frightening to you, how much will it be? 300, 000 Ugx, 1,000,000 Ugx or more?
If you are self-employed, you have the advantage as opposed to somebody who is working for someone. Self-employed can qualify for the group insurance plan as long as the company has a minimum of 10 individuals who wish to get insurance. This holds true for many states, however kindly check with your regional insurance coverage agent for added information. In Uganda it is often 10 people and you must have a certificate corporation.
Business with more than 9 employees, might be required to offer group insurance to the rest of their full-time workers. This can considerably raise the expense of your group strategy, beating the original function of conserving cash. I recommend calling an agent like me to learn about your pregnancy considering that there may be a waiting period prior to the policy is active. So in a way you are not really Pregnant and alone in Uganda.
But be prepared to reveal your company’s or employers thinking about putting your spouse on the payroll in order to get group insurance. Also think about the costs included with paying the work taxes that I noted above, based upon his/her wages. If your partner is already on the payroll, then you can neglect these expenses as an added cost.
Please, do not do so you can conserve a money on taxes. It’s really illegal and if at any time during your pregnancy, you submit a large claim to the insurance coverage business, it can request your existing work records at any time you have the policy. And just, if you or your spouse is not on the payroll, insurance company will just reject coverage. Instead as your employer to get a shared insurance plans where your spouse and kids share on the same cover.
Questions to ask your group insurance supplier or insurance coverage agent
Do I need to cover all my staff members (if suitable)? Exactly what are month-to-month premiums? What is co-pay for doctor’s visits and health center admission? Do you need to pay extra amount when or prior to the baby is born in order to cover all of the newborn expenditures? Can you cancel your insurance coverage at any time? Can you begin your insurance coverage at any time? (If you do not mind waiting 2 or 3 months after you get pregnant, you will not have to pay as much in premiums) What documents is required? Exactly what is the waiting duration prior to the insurance coverage is active?
If you have the ability to acquire group insurance coverage, you may wish to cancel your Individual or Family Insurance plan for the time being. Consult your present company on whether you will have to pay a higher premium when you re-enroll, and certainly, if you have pre-existing conditions in the time being, your premium may increase or you might be refused for coverage completely.
Honestly, based on my own experience, in Uganda, it is considerably less costly to go the group insurance path. For information about how I did it and exploring your choices from expense stand point call me on 0792 668138