Find health insurance with pregnancy cover and get the care you want when you need it most.
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A maternity insurance policy offers a little extra protection if you are having a baby or get pregnant in the future.
Pregnancy insurance doesn’t usually pay for routine care and treatment when you’re expecting a baby, but it can cover some emergency treatment and pregnancy health complications.
Some policies pay for treatment for emergencies or complications related to maternity, such as:
Some insurers also pay a baby bonus of around £100 if you become pregnant after taking out a maternity insurance policy.
Health insurance can pay for a wide range of treatments for medical conditions not related to your pregnancy. It is usually designed to cover short-term conditions, not chronic illnesses that may take years to cure or that you had before taking out the policy.
Providers do not pay out for health conditions that usually accompany pregnancy, such as morning sickness or aches and pains, because having a baby is considered to be a planned choice rather than an unexpected health condition.
If you want private maternity healthcare such as giving birth in a private hospital, or fertility treatment like IVF, that is not usually covered by health insurance and you need to pay for it yourself.
You can get help finding a policy by using our broker. They can provide a range of quotes as well as guidance on which policies provide the cover you need. To find a policy, you should check:
The cover: each insurer sets different rules on the medical conditions and treatments it covers – only consider policies that will pay out if you make a claim
The limits: some policies come with limits on how much they pay out per year, per condition or per treatment type. Some also stipulate a waiting period, which is how long you must have the policy before you can make a claim
The cost: the best insurance for you should be the cheapest policy that offers the level of cover you need. Check both the monthly premium and the excess
Yes, you can take out a policy to pay for private medical treatment if you are pregnant. Check what treatment it can pay for before you buy it.
Yes, you can get free treatment on the NHS or use your policy to pay for private treatment.
Yes. You can choose to get free treatment on the NHS or use your policy to pay for private treatment.
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By comparing health insurance, you could save money on the policy. The best value health insurance will offer the cover to you and your family need at an affordable price. Choose a cover plan from the best UK health insurance companies and see the online discounts they offer.
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Last updated: 7 May 2022