If you've searched the net for health insurance that covers stillbirth then you are most likely for looking for established UK based health insurance companies that will cover your stillbirth.
Our advice when looking for private medical cover that covers stillbirth is to speak to a health insurance broker. Health insurance is very complex and if you want complete certainty that stillbirth is covered you should consult with a medical insurance broker who can explain which providers will cover this medical condition and which will exclude it.
There are many advantages to using a 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 broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance claim? A broker will know this vital 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 developed a certain medical condition and want to know which policy provider offers the largest amount of cover for it. A broker will know this instantly saving you so much time and effort.
You can call around every health insurance provider you can find and ask if they cover stillbirth, 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 much quicker to speak to one health insurance broker which will know which policy providers on the market cover stillbirth and under what conditions they do or don't cover it.
A stillbirth is when a baby dies after the 24th week of a pregnancy or during birth.
It’s a devastating experience for parents and can affect you and your family in ways you don’t expect.
Your emotions will likely be in turmoil and you might feel angry, guilty, sad and lonely but also love and pride. There’s no right or wrong way to feel.
If you already have children, think about how they might be feeling too and what support they’ll need.
This is a very difficult time for you and everyone close to you so it’s important to support each other and ask for help if you need it.
The stillbirth or death of a newborn baby can happen for lots of reasons and doctors don’t yet know all the causes.
Some are linked to problems with the placenta or mum’s health and others to the baby's health or development but in some cases the reason can’t be explained.
If your baby dies before birth, labour is usually induced. Going through labour and giving birth is the safest option for most women, even though it can be very distressing.
It’s natural to want to know why this happened. It’s not always possible to know why your baby died and that can be hard to come to terms with.
Your midwife and obstetrician will be there to support you through it. They will tell you what to expect and give you whatever help you need.
Your midwife or doctor will ask if you’d like to see or hold your baby. You might want to involve other members of your family too.
If you’re worried about what your baby looks like, your midwife or doctor can describe them to help you decide. Many parents find it comforting to see, touch and hold their baby and, if you want to, you can bath and dress them.
Your midwife can talk to you about a Cuddle Cot, a special cooling mattress inside a cot which can let you spend more time with your baby in the hospital or at home.
This gives you more time to say goodbye, with the support of family and friends.
If the hospital doesn’t have a Cuddle Cot then there are other organisations that can organise one for bereaved parents. Ask your midwife.