Is pregnancy or childbirth covered by health insurance?

Pregnancy + Private Medical Cover

No. Pregnancy and childbirth is not normally covered under a private medical insurance (PMI) policy.

Health insurance is designed to offer fast, private treatment for unexpected illnesses and medical conditions. It allows you to bypass NHS waiting lists and for you to see a consultant, get diagnostic tests and treatment quickly and, often, in a private hospital.

Pregnancy and childbirth is normally a planned event, which is why it isn’t covered under a private medical insurance policy. In addition, few private hospitals offer private care for pregnancy, partly because of the size of compensation claims if things go wrong and partly because many hospitals don’t have adequate accident and emergency facilities in the event of complications.

Depending on the terms and conditions of your cover, you may be able to get treatment under your health insurance policy if you were to suffer some medical complications during your pregnancy. You should check your policy’s small print to determine whether this cover is available.

Briggs & Butler can help you find the right health insurance cover at the right price. All you have to do is complete our easy online form and we’ll connect you to a leading FSA registered broker. They will discuss your health insurance needs with you and compare PMI policies to find the most suitable policy for you. Get in touch with us today.

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