If you don\u2019t mind spending more for the best possible care, or worry that your pregnancy might be classed as high-risk or about unexpected complications, then going private is a sensible option. You\u2019ll get:<\/p>\n With that said, a private birth in the UK is remarkably expensive. For instance, at Guy\u2019s and St. Thomas\u2019 in London<\/a>, a package for a normal or assisted delivery costs GBP \u00a35,995, or GBP \u00a37,250 for a C-section. This is only for delivery, excluding obstetrician, anesthetist, or neonatologist fees.<\/p>\n In some cases, these extra costs could be just as much as the delivery itself, so make sure you account for this. You also have to pay GBP \u00a3950 for each extra night in the hospital. Given the costs of a private birth, being in possession of pregnancy insurance in the UK can save you thousands.<\/p>\n This is why you need to consider whether you\u2019ll stick with the NHS or turn to the private healthcare sector during the pregnancy planning<\/a> stage.<\/p>\n This is an important decision because it\u2019ll be the basis of whether you should get maternity insurance coverage or not. Make sure you understand the ins and outs of the UK healthcare system<\/a> before you make your decision.<\/p>\n Maternity insurance can be incredibly useful, but it\u2019s important to know what usually is and isn\u2019t covered. It\u2019s important to note that insurers typically view pregnancy and childbirth as lifestyle choices as opposed to medical conditions, so this has affected how much they are willing to pay.<\/p>\n If you\u2019re wondering what is the best insurance for maternity coverage, you should know that not all plans were created the same and the best way to find out what coverage is provided is to speak to an advisor<\/a>. But here are some basic pointers to get you acquainted with the subject.<\/p>\n Costs of private maternity care needed for emergencies or complications are covered by insurers. In most cases, these tend to include:<\/p>\n It\u2019s advisable to read the policy fine print to see how the insurer defines pregnancy-related emergencies. Some plans may also offer newborn coverage without the need for newborn underwriting. This means your bundle of joy will be covered from day 1.<\/p>\n Antenatal care<\/a> (sometimes called prenatal) is not popular with insurers as it isn\u2019t a health complication. Here are some other things you may struggle to get coverage for:<\/p>\n However, it may be possible to be covered for a number of these in both the UK and abroad if you choose an international health insurance plan<\/a>. Otherwise, you could either pay for private healthcare yourself or go to the NHS for antenatal care<\/a> and other healthcare services not covered.<\/p>\n For those of you new to the UK, your first point of contact with the NHS is your general practitioner (GP). If you don\u2019t already have a GP, you can easily find and register with one<\/a>.<\/p>\n You should secure a maternity insurance policy before you get pregnant due to a clause known as \u201cwaiting periods\u201d. This is essentially the amount of time you have to possess the insurance before you can make a claim.<\/p>\n Don\u2019t worry if you get pregnant before your wait time is up. If you\u2019re close to the end of the period, you may still be able to make claims for delivery (which is generally the most expensive part of the process).<\/p>\n For information regarding this and more, check out our maternity insurance infographic<\/a> and guide<\/a>, or watch our short video below:<\/p>\n And of course, the cost of premium is very important and will vary depending on the insurer, it is of utmost importance to conduct a holistic comparison of available plans in the market.<\/p>\n When comparing plans, bear in mind these tips:<\/p>\n Get in touch with Pacific Prime UK<\/a> to find the most cost-effective plan without compromising on your needs. As a brokerage with 20+ years of experience, we can help you find individual<\/a>, family<\/a>, maternity and newborn<\/a> insurance. For a consultation or no-obligation comparison and quote, contact us<\/a> today!<\/p>\n <\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Mums-to-be in the UK generally don\u2019t have to worry about maternity insurance coverage, as the country is home to a comprehensive taxpayer-funded National Health Service (NHS) that provides maternity care to all citizens and legal residents. However, associated with long waiting times, many expat women give the NHS a pass to opt for the private …<\/p>\n","protected":false},"author":21,"featured_media":2090,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[2],"tags":[767,768,217,365,167,472,1180,1264,361,544],"class_list":["post-2089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-ban_sin","tag-cta_gen","tag-family-health-insurance","tag-maternity","tag-maternity-insurance","tag-newborn-insurance","tag-nhs","tag-pregnancy","tag-pregnancy-insurance","tag-private-healthcare"],"acf":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2020\/07\/baby-bump.jpg?fit=1140%2C495&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pcnTsc-xH","amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2089","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=2089"}],"version-history":[{"count":9,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2089\/revisions"}],"predecessor-version":[{"id":3132,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2089\/revisions\/3132"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/media\/2090"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=2089"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=2089"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=2089"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"Insurance](\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2020\/02\/PPUK-blog-banners-1138x493-px_02-01.jpg?resize=700%2C303&ssl=1\")
<\/a><\/p><\/div>\n\nPrivate Birth: Pros and Cons<\/h2>\n
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Coverage through Maternity Insurance<\/h2>\n
What You\u2019ll be Able to Claim<\/h3>\n
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What You\u2019ll Not be Able to Claim<\/h3>\n
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Contact Pacific Prime UK to Secure Maternity Insurance For Your Needs and Budget<\/h2>\n
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