Have you ever wondered what coverage you'd get under public and private health insurance? Check out our comparison below!
Coverage during pregnancy
Coverage during pregnancy
Both public and private health insurance cover:
3 ultrasound examinations
Examination of the blood sugar, urine, and bacteria
Blood test (to check the blood group & exclude infections like rubella, syphilis, and HIV)
Detection of high-risk pregnancies (through cardiotocographic examinations or amniocentesis)
Sonographic examinations
14 hours of birth preparation courses à 60 minutes by a midwife for the mother. The partner is not covered!
With private health insurance, you'll find the individual prices per session in your coverage overview. The limits for birth preparation below apply.
Further treatments, if prescribed by a doctor
Coverage during birth
Coverage during birth
Both public and private health insurance cover:
Maternity care
Obstetric care (help during birth)
Visits of a midwife during home births
All costs related to the delivery at the hospital
Birth at a birth center run by midwives
Public health insurance covers:
Multi-bed rooms at the hospital
Private health insurance covers:
Multi-bed room for standard coverage
One-bed room for premium coverage
Looking for an English-speaking midwife? Ammely is a great place to start!
Coverage after birth
Coverage after birth
Both public and private health insurance cover:
20 visits from a midwife in the 10 days after birth
16 additional visits from a midwife until 12 weeks after birth
Additional midwife visits for premature babies, or if it is otherwise medically required
Additional visits from a midwife, if you have trouble breastfeeding
Follow-up examinations by your gynecologist
10 hours of postnatal gymnastics with a physiotherapist or midwife within 9 months after birth
Under private health insurance, the limits for birth preparation below apply.
What is not covered?
Both public and private health insurance do not cover:
Prenatal yoga
Doulas
Additional ultrasound during pregnancy and optional blood tests.
Dietary supplements (like folic acid and vitamins)
Examinations beyond regular check-ups. You will be covered if there are any anomalies during your pregnancy.
Birth preparation course for the partner
Hospital stay of the partner during birth
Some public health providers may not cover pregnancy gymnastics (fully).
Limits for birth preparation courses and postnatal gymnastics
Depending on the private health plan you have chosen, the coverage may be capped.
Short-term standard | Short-term premium | Long-term standard purchased before March 2023 | Long-term standard purchased after March 2023 | Long-term premium | Premium long-term purchased after November 2023 |
Up to €750 per year | Up to €1,500 per year | Up to 75% | 80% up to €4000. 100% coverage once you surpass that limit. | Up to 80% | Up to 100% |
Why you shouldn't upgrade your private health plan during pregnancy
While the more comprehensive plan may seem appealing, the additional benefits will not apply during your ongoing pregnancy. We don't want you to pay the higher cost without receiving the full benefits, so we recommend holding off on any upgrades until after your pregnancy.