How does private health insurance treat pregnancy and fertility treatments?
Most UK health insurance policies will not cover treatments related to pregnancy or normal childbirth.
This is because health insurance is designed to cover unexpected medical costs and most insurers will consider a pregnancy to be a “planned event”.
However, some policies will provide cover for pregnancy related complications.
Most health insurance policies won’t cover the routine conditions arising from pregnancy, e.g. morning sickness, but may cover ‘complications’.
These could include:
If your policy covers pregnancy related complications, then you will probably find that your insurers will impose a waiting period before any pregnancy related complications are covered. This waiting period would usually be a period of 10 months.
Currently, health insurance policies will not cover any fertility treatments – such as IVF – or fertility investigations including sterilisation.