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Health insurance policies often have exclusions regarding coverage for pregnancy and childbirth. While insurance may cover certain pregnancy-related complications or emergencies, routine maternity care is typically not included. This guide aims to clarify the specifics of what health insurance covers during pregnancy and childbirth, as well as options for those seeking private maternity care.

Coverage Overview

  1. Pregnancy and Childbirth Exclusions: Health insurance policies generally do not cover routine maternity care. Insurers often consider pregnancy to be a lifestyle choice rather than a medical condition eligible for coverage.
  2. Acute Conditions: Insurance coverage typically extends to acute illnesses that require medical treatment, such as cataract surgery or cancer treatment. However, pregnancy itself is usually not considered an acute condition eligible for coverage.
  3. Planned Pregnancy: Maternity care, including fertility treatment and pre-pregnancy genetic testing, is usually not covered by health insurance due to its elective nature. Insurers may consider these services as part of family planning rather than medically necessary treatments.
  4. Pregnancy Complications: While routine maternity care may not be covered, some health insurance policies may provide coverage for pregnancy-related complications or emergencies. This coverage can include conditions such as ectopic pregnancies, miscarriages, or other unexpected medical issues that arise during pregnancy.

Private Maternity Care Options

  1. Prenatal Care and Delivery: Private healthcare offers various options for prenatal care and delivery. These options may include midwife-led or consultant-led care, as well as the choice between hospital or birth centre births. Private maternity care allows individuals to tailor their childbirth experience according to their preferences and medical needs.
  2. Cost Considerations: Private maternity care costs can vary significantly based on factors such as location, chosen hospital or birth centre, and the specific services included in the package. Individuals should carefully review the costs and services covered by private maternity care options to make informed decisions about their childbirth experience.
  3. Postnatal Care: Private hospitals may offer comprehensive postnatal care services, including support for breastfeeding, physical recovery, and nursery care for newborns. Postnatal care in private facilities may provide additional amenities and personalised attention compared to public healthcare options.

Is Health Insurance Worth It During Pregnancy?

  1. Coverage Limitations: While health insurance may not cover routine maternity care, it can still provide valuable coverage for other medical needs during pregnancy and beyond. Individuals should review their insurance policies to understand coverage limitations and exclusions related to pregnancy and childbirth.
  2. Family Health Insurance: Health insurance policies often allow the addition of children to the plan, offering benefits beyond pregnancy coverage. Family health insurance plans may provide coverage for routine healthcare needs for both parents and children, ensuring comprehensive medical care for the entire family.


Understanding the specifics of what health insurance covers during pregnancy and childbirth is essential for individuals planning maternity care. While routine maternity care may not be covered, options for private maternity care exist for those seeking alternatives to public healthcare services. Consideration of coverage limitations, cost factors, and personal preferences can help individuals make informed decisions about maternity care and health insurance options.

Why get private health insurance?

Health insurance allows you get back on your feet quicker:

✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

👍 Many people are very thankful that they had their private medical health insurance cover in place before running into some serious health issues. Private medical health insurance is as important as life insurance for protecting your family's finances.

Important Fact!

Why increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
Our award-winning FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

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Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.


Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly award-winning partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind!