**giving birth without KELA card please any idea**

[EP]

OK, I thought that it means 7 babies out of thousand, and I thought that we have just gone back 50 years...

[Rip]

in my country we can check and see our babies with 4 D ultrasound

Available at private clinics. It seems that consider that there is no medical grounds (pure "entrainment value" being not sufficient) to get those for at least routine check ups with tax payers expense.

Otherwise EP brought up the local view very well. Typical expectant mother is not sick or injured and so above some basic level additional testing and monitoring gives little value. If there is reason an actual to suspect something that is different and first time mothers are monitored bit more, as are those higher likelihood of Down syndrome.

(statistics with graphics: http://tilastokeskus.fi/til/ksyyt/2009/ ... 04_en.html )

[Rip]

Looks like it is a girl. But it could also be hiding its equipement and in that case it is a boy

Familiar words. Additionally it came to my mind that if somebody would ask that question at a relatively early part of the pregnancy (I have no idea if this was so in the case referred to earlier) the doctor might suddenly feel he has some weird problem with his eyesight, with a non-European family asking that question he might think he is suddenly legally blind.

[somon3]

thanks for answers. I think i could not present myself well. Not only pregnancy issues i heard other health issues which the doctors do not give so much attention. Example my friends ankle got broken when he wenttodoctor he just cover the wound and then sent him to home. they do not care so muchi think. and also want toask that that nevuola for 2 times going is that free ? 12. week and than 20 week right?

[EP]

Neuvola is free with the KELA card, that is part of normal municipal maternity (and child) care. How many times, it is depends on the municipal. Usually it is at one month intervals in the beginning of pregnancy, later twice a month. That is if there are no problems. AND depending on town (how much they have budgeted for that). And when the baby is born s/he will visit that same neuvola for check ups, shots, and so on.

Are you sure your friend´s ankle was broken? I am sure if it had been broken he would have got some kind of cast (or whatever "lasta" is called). If he just walked out with a bandage on a wound – and all the time it was broken – he would not walk normally today. Or do you mean your friend wanted X-rays "just in case"?

[EP]

But since you are not covered by KELA you need to do what niblet did (on the first page after your initial question). Read that again: she had a private midwife for pregnancy check ups and had the blood works (and I suppose urine and the rest) done privately. And then she payed for giving birth. And yes, epidurals are standard procedure, and I cannot imagine they would cost a fortune.

[somon3]

that is bad news. i thought that whether i have kela or i have not nevuola is free. they areasking for kela right?

[somon3]

Also private insurance does not cover pregnancy cost is it right? I searched but could not find really sufficient information about private insurance which both they cover costs or they did not cover.

[Rip]

that is bad news. i thought that whether i have kela or i have not nevuola is free. they areasking for kela right?

Policy might vary based on location (legally they are not obliged to give the service), so that is something that should perhaps be asked directly.

[Rip]

Also private insurance does not cover pregnancy cost is it right? I searched but could not find really sufficient information about private insurance which both they cover costs or they did not cover.

It seems common sense that it is not covered as "pre-existing condition". There are insurers that cover pregnancy after you have been insured for some amount of time (as an example: http://www.bupa-intl.com/for-you/bwho/o ... -insurance ), but they are not charitable organisations, the premiums you pay reflect the fact that young woman giving birth at some point is not an exception, but more like the rule.

[somon3]

but they are not charitable organisations, the premiums you pay reflect the fact that young woman giving birth at some point is not an exception, but more like the rule.

sorry but ı could not understand what you meant.. can you explain?

[Rip]

sorry but ı could not understand what you meant.. can you explain?

I meant that paying a private insurance for a couple of years will probably more or less have the same costs as paying the costs related to giving birth without insurance.

It pretty much has to be that way: Probability that a healthy young woman gets seriously ill in the developed world during one year is very low. Probability that she gets pregnant during that period is much higher.

Benefit would be really more, as is usual with insurance, not related to the likely case (uncomplicated pregnancy), but removing the financial risk related to the not impossible but very unlikely case (complications, that in addition other troubles, would mean also that the medical costs were higher)

[rinso]

i heard other health issues which the doctors do not give so much attention.

What makes you think that private doctors are better? They got the same education at the same institutions.
The only difference is that private clinics charge you more. And if the client wants extra tests, they perform them because they will get paid. Not because the believe it is necessary. And if they don't believe in them, they don't look at them seriously. Doctors are almost human.

And like RIP said, you'll pay for the show, either directly or through your insurance fee.

[Upphew]

i heard other health issues which the doctors do not give so much attention.

What makes you think that private doctors are better? They got the same education at the same institutions.

And in many cases they are the same people. They do give more time at private side, but they will charge too...

[somon3]

actually i did not say private doctors are better than others.i said in the general way for every doctor.