Covered under public and private health insurance
Initial pregnancy check
Physical exam, and urine and blood tests for the detection of HIV, syphilis, rubella immunity, chlamydia, and determining the blood group
Routine monitoring of blood pressure, urine, and weight
3 ultrasound exams (weeks 9–12, 19–22, and 29–32)
Gestational diabetes screening: in weeks 24–28
14 hours of birth preparation with a midwife
Fetal heart rate monitoring (CTG) – only if medically necessary
Birth: Maternity and obstetric care at the location of choice
In a multi-bed room at a hospital, at home with the help of a midwife, or at a birth center
Postnatal care
20 midwife visits in the first 10 days, and 16 additional visits until week 12.
10 hours of postnatal exercise within 9 months after the birth.
Additional private health coverage
If you already have a policy with us, you can view your specific benefits in the in-account coverage details. While the exact coverage depends on your plan, here’s a general overview.
Extra ultrasounds, Doppler scans, and fetal monitoring (tokography)
Comprehensive infection screening
Toxoplasmosis, CMV, Herpes simplex, Hepatitis A–C, Rubella, Varicella, Parvovirus B19.
Advanced genetic testing and counseling
First-trimester screening with nuchal translucency ultrasound and blood tests.
Blood tests for β-hCG and PAPP-A.
If medically necessary: Non-Invasive Prenatal Test (NIPT) up to €495, and chorionic villus sampling (CVS).
One-bedroom at the hospital during birth (with some plans)
Budget for additional birth preparation & postnatal exercise: up to €4000 per year (with some plans)
Not covered
Neither public nor private health insurance covers:
Prenatal yoga
Doulas
Dietary supplements (like folic acid and vitamins)
Birth preparation course for the partner (but some public providers offer a yearly budget)
Hospital stay of the partner during birth