Yes, you can get a health insurance policy if you are pregnant. And if you get pregnant in the future, your policy can pay out for some medical care.

Health insurance cannot pay for most routine care and treatment during pregnancy. But it can pay for some emergency treatment and pregnancy health complications.

What is not covered?

Most policies do not pay out for the health conditions that usually come with pregnancy like
morning sickness, aches and pains. This is because insurers see pregnancy as a planned choice, and not as an unexpected health condition.

You can visit your NHS GP or midwife for help, treatment and advice for health problems like morning sickness.

But if you want private maternity healthcare like giving birth in a private hospital, this is not usually covered by health insurance. You would need to pay for it yourself directly.

Fertility treatment like IVF is not covered by most health insurers, so you usually have to pay for this yourself.

What can it pay for?

Pregnancy treatment

Some policies can pay for treatment for emergencies or complications related to maternity like:

  • Caesarean sections

  • Gestational diabetes

  • Eclampsia

  • Miscarriage

Some insurers also pay a baby bonus of around 100 if you become pregnant after you take out the policy.

Non-pregnancy treatment

Health insurance can pay out for a wide range of treatment for medical conditions not related to your pregnancy. Here is what health insurance covers and how it works.

It is usually designed to cover short term conditions, not illnesses that take years to cure or that you have before you take out the policy. Here is how insurance for pre-existing conditions works.

Where to find pregnancy cover

You can find a health insurance policy by using this comparison and checking:

  • The cover: Each insurer has different rules on the medical conditions and treatments it covers. Make sure you only consider policies that will pay out if you make a claim.

  • The limits: Some policies come with limits on how much they can pay out per year, per condition or per treatment type. Some also come with a waiting period, which is how long you have to hold the policy before you can make a claim, e.g. ten months.

  • The cost: The best health insurance for you should be the cheapest policy that comes with the cover you need. Check the premium you have to pay each month and the excess once you have found several suitable policies.

You can get help finding the best pregnancy health insurance by contacting a broker. You can get a range of health insurance quotes from them as well as guidance on which ones provide the cover you need.

Pregnancy health insurance FAQs


Will health insurance cover my existing conditions?


Some policies can include them, but many do not pay out for them. Here is how cover for pre-existing conditions works.


Do I need a medical check before I get health insurance?


Some policies make you fill out a declaration about your health, and some may need to run medical tests. But moratorium policies do not do this.


Can I get maternity cover if I am already pregnant?


Yes, you can take out a policy to pay for private medical treatment if you are pregnant. Check what treatment it can pay out for before you buy it.


How quickly can I make a claim?


Some policies only let you claim after their set waiting period, e.g. three months after your policy started.


Can I still use the NHS if I get health insurance?


Yes, you can get free treatment on the NHS or use your policy to pay for private treatment


Can I get travel insurance while pregnant?


Yes, but some insurers do not cover you later in your pregnancy, e.g. the 8 weeks before you give birth. Compare travel insurance here.


Can I buy life insurance while pregnant?


Yes, and maternity does not affect the cover or price with most insurers. Compare life insurance policies here.