Skip to main content

Pregnancy cover

We cover for Your unexpected serious Complications of pregnancy and childbirth (see Table 1.1 for Our definition of Complications of pregnancy and childbirth) that occur:

  • Up to the end of the 23rd week of pregnancy if You are pregnant with a single child; or
  • Up to the end of the 19th week of pregnancy if You are pregnant with twins or multiple children.

Cover is subject to the conditions and exclusions described below and all other applicable terms and conditions, exclusions and limitations of the Policy.

We do not cover any claims under the Policy benefits Arising from a Pregnancy condition that existed during:

unless We agree to list the relevant Pregnancy condition as covered on Your Certificate of insurance. If any Changes in health occur after We have listed any Pregnancy condition as covered and before the date of departure for Your Trip, the cover for those listed conditions is automatically excluded from that time unless You undertake an additional medical screening, and We agree to list them as covered. Such cover is subject to the other terms and conditions (including exclusions and limits) of the Policy which may otherwise affect cover. Any rights We have will only be exercised to the extent permitted by applicable law.

Whether We list a Pregnancy condition as covered or not, We will not pay any claim or loss directly or indirectly related to or Arising from: 

  • Your pregnancy or the pregnancy of any other person after the end of the: 
    • 23rd week of pregnancy with a single child; or  
    • 19th week of pregnancy with multiple children,
  • Childbirth unless it is due to the listed Complications of pregnancy and childbirth in Table 1.1 and it is listed on Your Certificate of insurance as a covered condition, or You have been diagnosed for these complications during Your Trip,  
  • The health or care of a newborn child whatever the cause of the claim is (if You deliver Overseas for any reason, including premature birth, there is no cover for costs related to caring for the child or children), or
  • Antenatal care, including medications and vitamins. 

Also see General Exclusions that apply to all benefits.

Any rights We have will only be exercised to the extent permitted by applicable law.

Table 1.1 Complications of pregnancy and childbirth ​

Complications of pregnancy and childbirth means:

Any condition You have been diagnosed with or treated for in the past or any secondary diagnosis, occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome including but not limited to the following: 

  • Toxemia (toxins in the blood) 
  • Gestational diabetes (diabetes Arising because of pregnancy) 
  • Gestational hypertension (high blood pressure Arising because of pregnancy) 
  • Pre-eclampsia (where You develop high blood pressure, carry abnormal fluid and have protein in Your urine during the second half of pregnancy) 
  • Ectopic pregnancy (a pregnancy that develops outside of the uterus) 
  • Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue) 
  • Post-partum haemorrhage (excessive bleeding following childbirth) 
  • Retained placenta membrane (part or all the placenta is left behind in the uterus after delivery) 
  • Placental abruption (part or all the placenta separates from the wall of the uterus) 
  • Hyperemesis gravidarum (excessive vomiting because of pregnancy) 
  • Placenta previa (when the placenta is in the lower part of the uterus and covers part or all of the cervix) 
  • Stillbirth 
  • Miscarriage 
  • Emergency caesarean section
  • A termination needed for medical reasons