Expat health insurance does not cover all pregnancy care. The conditions for pregnancy coverage are very specific:

If you get pregnant after you have been on the expat health insurance policy for at least six months, then the costs of routine prenatal examinations and childbirth will be covered. Read more about that here.

If you are pregnant when you start your coverage, then routine prenatal visits are not covered. Care is only available for unexpected medical issues and emergencies that were not apparent at the start of coverage. These may include:

  • Visits to the doctor or hospital caused by pregnancy-related pain or other urgent matters;

  • Medically necessary termination of pregnancy;

  • Pregnancy loss;

  • Premature delivery (before the 36th week of pregnancy).

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