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health insurance.. whats it cover?

(9 Posts)
silverfishlondon Sat 13-Dec-14 19:12:24

I apparently have health insurance through my husband's work. Never used it and not really sure what situations it covers in terms of pregnancy.

I'm planning a homebirth, and tho I'm happy with the nhs midwife I've seen I feel she's a bit nervous/ risk averse for homebirth and I understand a private midwife would likely be more experienced / confident / reassuring in homebirth. Private midwife wouldn't be covered by insurance by any chance?

What things could health insurance cover?

Also going for nhs growth scan as advised by midwife. Would a private one have been covered? I presume extra ones for reassurance, not advised for medical reasons, are not.

TarkaTheOtter Sat 13-Dec-14 19:15:26

If it's a UK based policy it probably doesn't cover pregnancy at all. If it's an international policy it might cover everything.

BikeRunSki Sat 13-Dec-14 19:18:47

Surely every policy is different?

PatriciaHolm Sat 13-Dec-14 19:19:16

You need to check I'm afraid, there will be wide variances in what could be covered. However, it's unlikely that pregnancy will be if, as said above, it's a regular UK policy; it rarely is, in standard off the shelf company policies.

Azquilith Sat 13-Dec-14 19:20:10

Mine didn't cover anything apart from complications post birth (so I saw a specialist for some undercarriage issues).

TittyBojangles Sat 13-Dec-14 19:20:36

If you are having growth scans as advised by the nhs is there a reason you need these covering by insurance? I think you need to dig out the policy docs/ring the provider.

silverfishlondon Sat 13-Dec-14 19:27:09

Thanks, I think probably right that won't be much (anything) covered. Doesnt matter, I wasn't counting on it , just curious if there's any options. I think if, and fingers crossed not, there are any complications or ongoing issues then I may look into it.

tuffgingernut Sat 13-Dec-14 19:28:39

I work in this field for one of the major uk pmi providers and sorry to be blunt but nothing relating to child birth is covered other than a moderate lump sum following the birth but even that isn't on many plans. Definitely call your provider though just to be certain.

BikeRunSki Sat 13-Dec-14 23:48:38

The NHS mw you've seen so far may not be the one who comes out for a homebirth, depending on shifts etc.

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