Private Health Insurance and Pregnancy

Private Health Insurance and Pregnancy: What Every Woman Should Know

As a woman, you may not be aware that pregnancy is considered a pre-existing condition. In other words, if you are pregnant & want to apply for health insurance of any kind, it will likely be denied because of the potential risk involved with pregnancy

Can I Get Private Health Insurance for Childbirth and Pregnancy?

Pregnancy is considered a pre-existing condition. Private health insurers do not typically insure pregnancies or childbirths due to the high cost associated with these events and their likelihood of happening more than once in most cases.

Private health insurance is designed to provide financial support during pregnancy, childbirth, and some postnatal care. Private health insurance providers are not required to provide this coverage; however, most of them do. Private health insurers may limit the length of time that pregnancy is covered as a pre-existing condition and impose other limitations on maternity care.


Private maternity care ensures that you are well cared for throughout your entire pregnancy, including during labor and delivery by qualified medical professionals who specialize in obstetrics and gynecology respectively; these services would include ultrasounds, blood work checks, pap smears, medications when needed, and more.

Private maternity services can also help with breastfeeding techniques after giving birth if desired (though this service might vary based on individual policies).

Private health insurers typically do not provide coverage for pregnancy beyond what is necessary to support gestation and childbirth, so any complications related to pregnancy or birth will likely be excluded from private healthcare coverage as well.

How Does it Work?

When you’re pregnant, it means your body has different needs. Your private health insurance may cover some of these pregnancy-related medical services like ultrasounds and prenatal or private care; however, complications related to the pregnancy or childbirth would not be covered by a Private Health Insurance policy.

Simply put:

When you have private health insurance, you can choose from a broader range of doctors and private hospitals. It also means you can avoid NHS waiting lists that can be very lengthy. Private health insurance is also much more flexible than the NHS, so you can change your policy in a way that suits your needs.

What Does it Cover?

Pregnancy-related emergencies that insurers cover include:

  • Miscarriage
  • Amniotic fluid embolism (AFE1)
  • Ectopic pregnancy
  • Premature maternal delivery
  • Molar pregnancy
  • Gestational diabetes

In case you might be asking yourself,

Insurers may provide coverage for other conditions related to the pregnancy, but these will be limited. Private Health Insurance policies may cover:

  • Gestation care (e.g., ultrasound)
  • Prenatal visits with a doctor or midwife

Some insurers will also cover childbirth

  • Antenatal care (e.g., scans)
  • Medical and nursing fees
  • Maternity dressings and apron
  • Postnatal recovery or rehabilitation for up to six weeks after delivery

What’s Not Covered?

  • Labour
  • Delivery of the baby
  • Hospital costs, including accommodation and food.
  • Medical treatment for high blood pressure, diabetes, or depression during pregnancy
  • Medications to control gestational diabetes. Private health insurance is not a substitute for NHS2 maternity care. The government can intervene if you are at risk of having an unassisted birth, and it’s unsafe because there’s no one with appropriate medical qualifications available in your area.

Many UK-based health plans will not cover routine pregnancy needs such as checkups.

Because insurers generally think pregnancy and childbirth are lifestyle choices rather than medical conditions.

Obstetricians are available through the NHS and privately, but some medical insurance providers will not cover obstetrician fees. Because of this, the NHS sometimes has to step in and pay for these costs.

Private Health Insurance policies will not cover:

Prenatal care includes counseling or psychotherapy for pregnant women with mental health issues because Medicare covers this under its listed items.

Private insurers provide coverage for childbirth and antenatal care in the form of scans; however, they don’t typically include labor costs or delivery expenses, which can be reimbursed through Medicare if it is a public hospital.


If you are thinking about taking out Private Health Insurance to fund your pregnancy, ensure you know what benefits are included before signing up! There are many different plans on offer, so research thoroughly to find the one best suited to your needs.

How Do I Get Private Health Insurance in the UK Which Covers Pregnancy?

Private health insurers do not offer pregnancy cover for individuals. For example, if you are aged 30 years old and want to take out private healthcare insurance at this time of your life, they would only be able to provide coverage until the age of 29.

The idea is that they allow people to get preventative care without being excluded due to pre-existing conditions or having a high-risk factor such as pregnancy which could become expensive

By now, you should

Compare individual providers to find the plan that fits your needs.

Here are a few tips to help you compare quotes and policy offers:

Tip 1:

Start by understanding the needs of your family. Do you have any pre-existing health conditions?

Tip 2

 Compare insurance providers side-by-side to understand their coverage rates, deductibles & networks. Examine medical services as well as drugs. What is the last time that provider has been accredited with an ‘A’ rating by AM Best Company?

Common Questions

How to Buy Health Insurance with Pregnancy, Birth, and Postnatal Benefits?

Do I Need Private Health Insurance for My Baby?

What Is the Average Cost of Private Health Insurance for Pregnancy and Childbirth?

Which Insurance Has the Most Maternity Benefits?

In conclusion

Don’t just take my word for it,

Private Health Insurer coverage for pregnancy and childbirth varies from plan to plan. Some offer private maternity care and medical care as part of the package, but many do not cover this.

Suppose you already have a private health insurance rider or extension that covers these services.

In that case, it is worth making sure your insurer knows about the coming change in your life so they can make any necessary adjustments.


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