Pregnancy and private insurance

[mikib]

Hello, we are looking for private health insurance in the UK or France, we reside in London UK, (in Richmond) for a pregnancy we are planning. Ideally, I would like to give birth in France with my old doctor. My question is, do all health insurances consider pregnancy a pre existing condition if you have not signed up a long time in advance? How long ago must you sign up before private insurance covers pregnancy and which insurances have exceptions? Currently, I have no private insurance and we are trying to conceive. Thank you for any advice.

Although I Amin Australia, I would imagine the rules to be similar. Almost all health insurance policies have a waiting period of 12-24 mths before pregnancy benefits kick in - there may be a couple which are specifically aimed at child bearing age families, where the waiting period may be shorter.

Some exclude all together, others it's typically at least 12 months.

You'll probably need a global policy, and check precisely what cover there is for the newborn. As a separate person, he/she may be excluded (or covered for only first few days).

I have BUPA, however they only cover the UK on my policy, I have travel insurance for abroad. My policy covers the baby from birth, it also covers pregnancy complications as long as signed off by a consultant (ie if it's a normal, low risk pregnancy then you are expected to use the nhs, which is fine with me!).

I have BUPA insurance and live in the UAE and with my policy I had to have held the policy for 10 months prior to being able to claim any maternity related costs. However they did say that if I became pregnant during the 10 months then as soon as I reacked the 10 months then I would be able to claim from that point. So for example if I became pregnant 5 months in then after 4 months of pregnancy I would be covered. Hope that makes sense! I am sure that all insurance companies have their own rules though and it will probably vary between countries as well.

Mine is with Aviva, I live in the UK and this is insurance through work.

We can only make a claim for c-sections due to certain criteria (pre-eclampsia, eclampsia, placenta previa etc) but only 10 months after the date of entry in to the scheme.

So for example, I entered the scheme in September, so cannot claim until July (funny enough when my baby is due)

However the reason for the claim has to have been made 10 months after date of entry too, so you have to be really careful that you fit in to the very tight criteria!

Number3

I have Aviva too. I was told pregnancy is not covered, only certain complications of pregnancy- they listed ectopic, mole, gestational diabetes and something about c-section.
Do you have any more information about the coverage for c-section? Would they cover entire cost (somewhere I think I read that they only cover fraction of it).

I have this insurance for more than a year now so I shold be OK with timelines.

Mine says cost in full covered.

I am ok with this, as my c-section will be 10 months after the policy started, but not sure how this will work in terms of knowing already I have to have a c-section and it's not been 10 months yet!