Almost never, and the exclusions are among the bluntest in any policy document.

What the policy documents actually say

WPA excludes fertility problems, pregnancy and childbirth outright, listing them alongside HIV/AIDS, cosmetic treatment and allergic conditions. Bupa excludes fertility investigations, IVF, surrogacy and the harvesting of donor eggs or sperm.

Aviva's position is conditional in a way that catches people out. Complications of pregnancy and childbirth are covered on some options — but anyone who chose a reduced out-patient limit of £500 or £1,000 has no cover for them as an in-patient, day-patient or out-patient. A limit picked to reduce the premium removes a benefit most people would not connect to out-patient treatment at all.

The distinction that matters is between pregnancy and its complications. Routine maternity care is NHS territory on every policy here; an acute complication may be covered depending on the policy and the option chosen.

Aviva's £100 baby bonus is the nearest thing to a maternity benefit in these documents, and it is a payment rather than cover — available on moratorium or full medical underwriting only if the birth is more than ten months after joining.

If starting a family is on the horizon, the practical move is to check the complications position before choosing an out-patient limit, because that choice is where the cover is quietly lost.

Questions to put to the insurer or broker

  • Are complications of pregnancy covered on this option?
  • Does my out-patient limit remove that cover?
  • When would a baby need adding to the policy?

Related questions

Sources

  • Source: Aviva — Healthier Solutions Terms and conditions (2025-04), read 4 September 2026.
  • Source: Bupa policy guide — Bupa By You health insurance (BINS 14718) (2024), read 4 September 2026.
  • Source: WPA — Private Medical Insurance — Insurance Product Information Document (Complete Health) (2025-11), read 4 September 2026.

The limit behind every answer here

None of this reaches a condition you already have. Cover is written for problems that arise after it starts, so anything you have symptoms of when you apply is excluded — permanently under full medical underwriting, or until a symptom-free period has passed under a moratorium. Chronic conditions are excluded by every insurer whose wording we hold. Figures quoted come from current policy documents and change at renewal, so check the document you are actually offered.

Get a free quote — a specialist broker calls you back, free and with no obligation.

Or see how UK cover compares and the FCA-authorised broker list.