Insurance for 2nd pregnancy
Previously in my first pregnancy, i had GDM. For 2nd pregnancy, is it true that i cant be insured due to GDM?
From what I've heard, having GDM in a previous pregnancy doesn't automatically mean you can't get coverage, but insurers will likely load your premium or exclude pregnancy-related complications, so it really depends on the insurer and how they assess your case. Some mums I know managed to get maternity riders with certain conditions attached, while others were told to apply between pregnancies when their blood sugar had already normalised, which gave them a better chance of standard terms. My friend went through this exact situation and said getting a financial adviser to compare a few insurers side by side made a big difference, because the underwriting criteria vary quite a bit across companies. The trade-off is usually between waiting to apply at the right time versus rushing in and getting a broad exclusion that affects your whole policy. Worth checking with a few insurers before you conceive so you have more options on the table.
Read more