Best Maternity Insurance
Tailored Protection for Your Growing Family
Planning a family? The right maternity insurance ensures peace of mind and financial protection throughout pregnancy, childbirth, and beyond.
Why Maternity Insurance Matters
Pregnancy and newborn care come with substantial costs—from routine check‑ups and ultrasounds to delivery, postnatal support, and newborn care With maternity insurance, you can focus on your journey to parenthood rather than worry over medical bills.
Essential Features to Look For
When choosing maternity insurance, ensure it includes:
Prenatal care: Regular doctor visits, blood tests, ultrasounds.
Birth coverage: Hospitalization for vaginal or cesarean delivery.
Complication protection: Coverage for unexpected conditions like ectopic pregnancies or postpartum hemorrhages .
Newborn support: Postnatal check-ups, vaccinations, lactation counseling, and baby’s immediate care
Adequate limits: A high annual benefit limit to avoid underinsurance
Minimal or no waiting periods: Some plans come with moratoriums—others offer shorter waits, especially for international maternity add‑ons .
Top International Providers
Cigna Global – Gold/Platinum tiers include prenatal to newborn care; customizable plan options
Allianz Care – Supports expectant parents with cover plus telehealth, midwife, and fitness services
AXA Global Healthcare – Prestige plans feature remote midwife support, GP check-ups, newborn health guidance
Expatriate Group – “Select” plan covers complications, home births, newborn care up to set limits
Good Neighbor Insurance – Flexible international maternity plans tailored by citizenship, birth location, and coverage needs.
Common Pitfalls to Avoid
Low benefit caps – Especially on antenatal or newborn care.
Long waiting periods – Many plans require 12–18 months before maternity is active
Pre-existing exclusions – Coverage may exclude known conditions or pregnancies already underway.
Hidden exclusions – Some routines (like genetic testing or elective scans) may not be included
Choosing the Right Policy
Map your journey – When is your due date? Where will you give birth?
Prioritize benefits – Decide what’s essential: prenatal, home birth, newborn checkups, etc.
Compare limits & waiting periods – Balance meaningful coverage with activation timelines.
Use expert advice – Brokers like Interexpat can help you compare plans, confirm coverage specifics, and support claims.
