Expat health insurance provides coverage for certain pregnancy-related care. The premium plan covers routine pregnancy check-ups and delivery after a six-month waiting period, while the basic plan only covers urgent pregnancy-related medical issues. If pregnancy exists at the start of coverage, routine prenatal care and delivery are not covered, but emergencies are covered under both plans. Comprehensive coverage is recommended for those already pregnant.
Cover | Basic expat plan | Premium expat plan |
Visits to the doctor or hospital caused by pregnancy-related pain or other acute urgent matters | ✅ | ✅ |
Medically necessary termination of pregnancy | ✅ | ✅ |
Pregnancy loss | ✅ | ✅ |
Premature delivery (before the 36th week of pregnancy) | ✅ | ✅ |
Pregnancy check ups | X | ✅ * |
Delivery | X | ✅ * |
Additional pre and post-natal midwife care | X | X |
* Indicates a 6 month waiting period on the policy
What pregnancy-related care does expat health insurance cover?
Expat health insurance includes coverage for some pregnancy-related medical care. Coverage varies between the basic and premium expat health insurance plans. The premium plan offers more extensive coverage for routine pregnancy services.
What services are covered if I am planning to become pregnant?
The following pregnancy-related services are covered depending on the expat health plan:
Visits to doctor or hospital for pregnancy-related pain or acute urgent matters: covered by both basic and premium plans.
Medically necessary termination of pregnancy: covered by both plans.
Pregnancy loss: covered by both plans.
Premature delivery before the 36th week: covered by both plans.
Pregnancy check-ups: covered only by the premium plan, after a six-month waiting period.
Delivery: covered only by the premium plan, after a six-month waiting period.
Additional pre- and post-natal midwife care: not covered by either plan.
Because routine check-ups and delivery have a six-month waiting period, the premium plan is recommended for those planning pregnancy. You can read more about that here.
Is pregnancy coverage available if I am already pregnant when starting expat health insurance?
Routine prenatal visits and delivery are not covered if pregnancy exists at the start of the policy. However, both basic and premium plans cover unexpected medical issues or emergencies related to the pregnancy that arise after coverage begins.
What coverage options are recommended for women already pregnant?
For women already pregnant when seeking insurance, comprehensive public or private health insurance is recommended to cover routine prenatal care and childbirth. Using the digital recommendation tool can help determine eligibility for such plans.
What is the waiting period for pregnancy coverage on the premium expat health plan?
The premium expat health plan requires a six-month waiting period before routine pregnancy check-ups and delivery are covered if pregnancy begins after the policy starts.
Where can I learn more or sign up for expat health insurance?
More information and enrollment options for expat health insurance are available on the official website.