Did you use your health insurance for any pregnancy/child birth issues

[babynelly2010]

Hello,

To these that had additional coverage to NHS did you get to use your health insurance for anything pregnancy/ birth related? I am thinking about getting a health insurance for my family and as it does not cover anything like ultrasounds or private birth it does cover any complications related to birth. how likely is it that insurance can become useful in these situations?

I have private health insurance and mine would only have paid for a private room if I'd had an emergency c-section (I didn't). It also paid £100 simply for me having given birth, which started off DS' child trust fund nicely. UK health insurance cover for childbirth-related issues really is very limited.

I would say it's not worth paying for health insurance simply for birth-related complications given how few are covered (for example, the re-stitching of my episiotomy wasn't covered, although thankfully I had a quick NHS referral to a top consultant for that), but it does have the benefit of quick referrals to specialists if you or your child have any medical issues in future.

I used my insurance with AXA PPP for all my treatment for multiple serious birth injuries. It has been a godsend and I would not have been without it at all. I know there;s the argument that the consultants you see privately also work in the NHS, so what's the point. But had I been on the NHS I very much doubt I would have been able to access the highly specialised consultants that I have - it all depends on which registrar happens to be on rotation at the NHS hospital you happen to be referred to.

I think it depends on how the dice rolls when you give birth. If you have a damaging birth and need subsequent medical treatment, then you could be very grateful for it.

Be aware that it depends on the insurers - AXA PPP covered me for everything from infected tears to physio to major gynae surgery. My cousin who is on BUPA was told that her consultation and treatment for an infected and open tear would not be covered. Coverage may also depend on the level of cover you take out. Another point to consider is that in order to be covered for childbirth complications you may need to take out a policy before you become pregnant.

I'd never be without my health insurance - but unfortunately, over the years, I've been quite a heavy user and so I really see the benefit.

Hello,

hank you for your responses, it is very useful.
I am not pregnant yet and the policy I am looking at has 10 months grace period for the pregnancy/ birth complications.
Last time I had very easy pregnancy but had retain products complication after birth. Also my stitching to 2nd degree tear was not done properly and mostly came apart... In case such that it probably would of been useful to have insurance but I am not sure....
My fear is that if I will need some reconstruction surgery having done not privately would make me very scared. I'll give it another deep thought over this. Thank you.