If you've searched Google for private medical insurance that covers pregnancy and baby then you are probably for looking for established UK based health insurance providers that will cover pregnancy and baby.
Our advice when looking for health insurance that covers pregnancy and baby is to speak to a health insurance broker. Health insurance is incredibly complicated and if you want complete certainty that pregnancy and baby is covered you should consult with a broker who can explain which providers will cover this medical condition and which will not.
There are many advantages to using a insurance broker but the largest by far is that you're using their insurance training at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than you so it costs you no extra to use their brokering services.
- Do you reside in many different areas? Some will give you a cheaper premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your policy this year would it be cheaper to separate you both onto two different policies?
- You've lean't you're at risk of developing a certain condition and want to know which policy provider offers the biggest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every health insurance provider you can find and ask if they cover pregnancy and baby, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its far far quicker to speak to one health insurance broker which will know which providers on the market cover pregnancy and baby and under what conditions they do or don't cover it.
Pregnancy And Baby Information
Your guide to pregnancy, labour and birth and early parenthood up to 8 weeks
How COVID-19 will affect your maternity care and how to reduce the risk to your baby
Including the first signs of pregnancy and how your baby develops week to week
Including how to eat well, keep active and prevent illness in pregnancy
Including tests, scans and checks and who'll be looking after you and your baby
Including common ailments and conditions that occur before and during pregnancy
Including benefits, housing support and your rights at work during and after pregnancy
Including looking after your mental wellbeing and bonding with baby during pregnancy
Including making a birth plan and deciding where to give birth
Including signs that labour has started and options for pain relief during labour and birth
Including assisted birth by forceps or ventouse delivery, or caesarean section
Including what happens during the birth at full term and if your labour's premature
Including newborn tests and examination and help for babies born sick or premature
Including having skin-to-skin contact with your baby and the first feeds
Including keeping your baby safe at home and how to help them sleep safely