International Maternity Insurance
Whether you’re starting or growing your family while you’re abroad, it’s vital that you and your baby have access to the best possible care. International maternity insurance will provide cover for you and your family while you’re overseas.
What is expat maternity cover?
Maternity cover refers to what will be included in international health insurance covering pregnancy. This will involve all things required for maternity care, including delivery and newborn care for the child.
What is expat maternity cover?
Why is international maternity cover for expats important?
International maternity cover is hugely important for expats. Having a baby overseas can be an exciting time, but it’s vital that you and your baby have access to the best possible care, wherever you are in the world.
Many countries have high costs associated with giving birth. Other countries might offer free healthcare, but might not have the quality facilities and care that expats are used to. International maternity insurance will ensure you have access to the best facilities and healthcare professionals, without having to pay out-of-pocket.
A benefit of international pregnancy insurance from Expatriate Group is that we operate on an open network of hospitals, so you have the freedom to choose whichever facility you wish to give birth. You will often be able to access multilingual healthcare professionals, giving you added peace of mind throughout your pregnancy.
Why is international maternity cover for expats important?
What maternity cover do I get?
At Expatriate Group, our Select plan provides comprehensive maternity cover for expats. With this option, any complications that arise throughout your pregnancy will be 100% covered.
We also cover various types of delivery, giving you the freedom to deliver your baby how you wish, and the peace of mind that you will be covered in any unforeseen circumstances. We will cover you for normal delivery, elective caesarean, non-elective cesarean, and home delivery up to £7,500. Newborn care will also be covered up to £25,000.
Our international maternity insurance also includes any home nursing that’s required following a home delivery for up to five days.
What maternity cover do I get?
Insurance plans
What’s the best international health insurance for professionals?
Expatriate Group is an expert in international healthcare, having provided cover for our customers since 1997. We have four different health insurance plans for professionals, offering a range of features, so you can find the right solution for your specific medical needs.
Select
- Comprehensive plan
- Maternity care
- Dental care
- Optical care
Primary+
- Hospital care
- Outpatient care
- Emergency dental
- Diagnostic tests
Primary+ Lite
- Hospital care
- Prescribed medicine
- Emergency transportations
- Emergency dental treatment
Primary
- Hospital treatment
- Doctor and specialist fees
- Outpatient surgeries
- Prescriptions and drugs
Not covered
Exclusions for expat maternity insurance
Not all types of treatment will be covered in our international maternity cover. Our delivery cover has a limit of £7,500, and our newborn care has a limit of £25,000.
Maternity costs in the first 12 months of cover are excluded (unless you are on a group policy with MHD underwriting).
You can contact us to discuss your specific requirements and circumstances.
Make a claim
How to claim on your international maternity insurance
To recover costs you have already paid for your maternity care, you can visit expatriate.claims.
If you would like to obtain pre-approval for maternity costs, you can call +44 20 8181 3818. You should obtain pre-approval as soon as reasonably possible, but at least seven days before your treatment. This means we will be able to guarantee costs are delivered directly to your facility, without you having to pay out-of-pocket.
To make a claim for your maternity cover, you will need:
- Proof of ID (passport).
- Proof of your address (utility bill).
- Any supporting medical reports or hospital discharge notices.
- Invoices for any costs incurred.
If you require emergency assistance, you can call +44 (0)20 8181 3818. We can provide you with multilingual support 24 hours a day, 7 days a week, liaising with your doctors and hospitals to ensure you receive the best care.
Policy Benefits
The Benefit Schedule
Below is a summary of the benefits included in each of the four international healthcare insurance plans. For more information get in touch with Expatriate Group today.
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| Income Replacement | ||||
| Accidental Death and Permanent Total Disability† | $/€/£100,000 | |||
| † For Terms and Conditions see separate PAI Policy Wording | ||||
| Hospital Benefits | ||||
| Annual Aggregate Maximum | $/€/£5,000,000 | $/€/£1,500,000 | €/£/$1,000,000 | $/€/£1,000,000 |
| Private Hospital Bed |  |
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| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. | |
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| Prescribed Medicine and Drugs | |
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| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Oncology/Cancer Treatment | |
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| Psychiatric | 30 days | 30 days | 30 days | 30 days |
| Home Nursing (following hospitalisation) | 30 days | 30 days | 30 days | 30 days |
| Hospital Cash Benefit | $/€/£150 per night | $/€/£100 per night | $/€/£100 per night | $/€/£75 per night |
| Rehabilitation (following hospitalisation) | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 |
| Parent Accommodation | |
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| Second Opinion for Surgery | |
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| Organ Transplant | $/€/£300,000 | $/€/£150,000 | $/€/£150,000 | $/€/£100,000 |
| Outpatient & GP Benefits | ||||
| Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries | |
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| Prescribed Medicine and Drugs | |
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Outpatient benefits capped at €/£/$1000 | for pre-hospitalisation and then for 60 days following a valid hospitalisation |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Physiotherapy & Alternative Medicine | 20 sessions | 10 sessions | 10 sessions | |
| Management of Chronic Conditions | $/€/£100,000 | $/€/£20,000 | ||
| Oncology/Cancer Treatment | |
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| Psychiatric | 10 sessions/$/€/£3,000 | 10 sessions/$/€/£3,000 | ||
| Assistance Services & Special Benefits | ||||
| Emergency Medical Transportation | |
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| Local Ambulance | |
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| Expenses for accompanying Dependent | ||||
| Travel | |
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| Accommodation & Subsistence | $/€/£150 per day | $/€/£100 per day | $/€/£100 per day | $/€/£75 per day |
| Repatriation of Mortal Remains | $/€/£10,000 | $/€/£5,000 | $/€/£5,000 | $/€/£5,000 |
| Compassionate Travel | |
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| Family Compassionate Travel | $/€/£250 | $/€/£250 | $/€/£250 | $/€/£250 |
| Terminal & Palliative Care | $/€/£30,000 | $/€/£20,000 | $/€/£20,000 | $/€/£15,000 |
| HIV, AIDS & ARCS | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | |
| Maternity Care | ||||
| Complications of Pregnancy | 100% | $/€/£5,000 | $/€/£5,000 | |
| Normal Delivery | $/€/£7,500* | |||
| Elective Caesarean Operation | $/€/£7,500* | |||
| Non-elective Caesarean Operation | $/€/£7,500* | |||
| Home Delivery | $/€/£7,500* | |||
| Home Nursing following Home Delivery | 5 days* | |||
| New Born Care | $/€/£25,000* | |||
| * = Excludes costs incurred in first 12 months | ||||
| Dental Care | ||||
| Accidental Emergency Dental Treatment | |
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| Routine Dental Treatment | $/€/£750 | |||
| Basic Restorative Dental Treatment | $/€/£750 | |||
| Major Restorative Dental Treatment | $/€/£1,000 | |||
| Dental benefits (except Accidental) are subject to a 20% co-pay | ||||
| Optical Care | ||||
| Examinations & Lenses (inc. contact lenses) | $/€/£150 | |||
| Preventative Care | ||||
| Annual Medical Check-up | $/€/£ 300 | $/€/£ 250 | ||
| Travel Vaccinations | |
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| Cervical Smears | |
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| Mammograms | |
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| Prostate Cancer Screening | |
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| = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months |
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