What does the health insurance cover in the event of pregnancy?

The basic insurance reimburses a significant proportion of pregnancy-related costs. This includes:

  • Appointments and checks with the midwife.
  • Ultrasounds prescribed by the general practitioner (GP), midwife or gynaecologist.
  • Blood test.
  • Medical postnatal care after childbirth (by gynaecologist).
  • Giving birth in hospital (if it is medically necessary).
  • The delivery room up to a maximum of €225.
  • The gynaecological care.
  • NIPT test (on medical grounds, otherwise €175 personal contribution).
  • Amniocentesis and chorionic villus sampling (on medical grounds).
  • Medications.
  • Maternity care (minus the personal contribution).
  • Hospitalization during pregnancy due to complications.
  • Obstetric care.Hospitalization for childbirth.
  • 20-week ultrasound.​

Do I pay a deductible/excess for care during pregnancy?

Some pregnancy-related costs reimbursed by the basic insurance do not fall under deductible costs. For example, you don’t have to pay the deductible for obstetric care and maternity care. However, blood tests and gynaecological assistance are deductible. We have listed for you what is and what is not included in deductibles.

Deductible costs Does not fall under deductible costs
Blood test Maternity care (you do pay a personal contribution)
Ambulance transport to hospital Ultrasounds prescribed by the GP, midwife or obstetrician
Medical postnatal care after childbirth (by gynaecologist) Hospitalization during pregnancy due to complications.
Gynaecological care Obstetric care by a general practitioner and a midwife
Amniocentesis and chorionic villus testing Medically necessary obstetric care by a gynaecologist
NIPT test: personal contribution €175 (in 2021) Use of the delivery room
Medications Hospitalization for childbirth
Help with getting pregnant Combination test for women over 36 (until 1 April 2014)
IVF, KI, ICSI or IUI treatments 20-week ultrasound
Curettage after a miscarriage

Can I change my health insurance during my pregnancy?

Your health insurance should fit your situation. If you are pregnant or if you want to become pregnant, it is important that your health insurance fits your needs. Every year in November and December, you can switch to a different health insurer. This is the right time to get the best health insurance for your current situation. In the other months of the year it is no longer possible to switch. Did you get pregnant in the new year and don't have suitable insurance? There are insurers where you can change your health insurance during the year. This way you can still make sure your health insurance suits your pregnancy.

What does the supplementary insurance cover in relation to pregnancy?

Some reimbursements for pregnancy are not covered by the basic insurance. For this, you need to take out additional insurance. This applies to:

  • Antenatal courses
  • Maternity package
  • The personal contribution for maternity care (€ 4.60 per hour in 2021)
  • Pelvic physiotherapy
  • Baby massage
  • Help with breastfeeding problems
  • IVF treatments (after the third time)
  • Delivery in hospital without medical necessity.​

The reimbursement you receive depends on the insurance you choose. This is because not every insurance company has the same reimbursements. So check this carefully when selecting an insurance policy.

Tip: Request the maternity kit from your health insurer

If you are pregnant, you can request a maternity kit from your insurer. This contains medical supplies that are needed during and after childbirth such as a mattress protector, maternity pads or an umbilical clamp. The maternity kit is free of charge if you have supplementary health insurance for pregnancy. Please note that you must request for this kit yourself.

Compare health insurance with pregnancy coverage

Would you like to find out which health insurance offers the best coverage for your pregnancy? In our comparison you can easily select the coverage you want and immediately see which health insurance is the best choice for you.