Pregnancy can bring unexpected health challenges for mothers, such as gestational diabetes, hypertension, or preeclampsia, which may impact future insurance applications.

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What Should You Consider?

• For Mothers:

  • If you develop health conditions during pregnancy, getting a new insurance policy without exclusions could be difficult.

  • Keeping your existing insurance ensures continued coverage without new medical underwriting.

  • Some maternity plans allow conversion to whole life plans for continued protection.

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• For Babies:

  • If your baby is born healthy, you can purchase a new policy to secure their coverage early.

  • Some insurers offer guaranteed coverage for newborns without medical underwriting, provided the maternity plan includes a conversion option.

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Key Takeaway:

💡 Keep your existing insurance if you have pregnancy-related conditions to avoid exclusions.

💡 Another key takeaway is to review if your current insurance coverage is sufficient with a new life on the way.
💡 Secure a policy for your baby early to ensure lifelong protection.

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What to Consider in Your Review?

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✅ Maternity & Hospitalization Coverage – Does your plan cover pregnancy complications and hospital stays?
✅ Life Insurance – Is your coverage enough to protect your family’s future financial needs?
✅ Child Insurance – Will your newborn be covered from birth without exclusions?
✅ Critical Illness & Disability Protection – Would your policy provide sufficient support if complications arise?

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💡 Tip: If unsure, speak to a trusted advisor to get a second opinion on your coverage needs.

Would you like a guide on how to review your current policy?

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