It's useful to know that every basic health insurance covers the same during pregnancy. However, it's important to always check what exactly your health insurer covers during your pregnancy to avoid any surprises. In some cases, supplementary insurance can be a useful option.
What does basic health insurance cover during pregnancy?
Basic health insurance covers all necessary care before, during, and after childbirth. This includes, for example:
• Check-ups
• Ultrasounds prescribed by the doctor, gynecologist, or midwife
• The 13 and 20-week ultrasounds
• Blood tests
• Gynecological assistance
• Certain medications
• The 8-week ultrasound is only covered based on a medical indication
• Home birth
• Hospital delivery only if medically necessary
• NIPT test, amniocentesis, and chorionic villus sampling if there is a medical indication
• Hospitalization in case of complications
Own risk
It's also very important to look at your deductible. For example, you don't pay a deductible for midwifery care and maternity care, but you do for laboratory tests and medications. Always check carefully what falls under your deductible, so you always know where you stand.
Supplementary Insurance
While the Basic health insurance covers a lot, there are also supplementary insurance options available. These supplementary insurances can provide extra coverage for things like pelvic physiotherapy, additional maternity care days, or pregnancy courses.
Remember that the best health insurance depends on your personal circumstances and needs. Take the time to compare different options and choose what fits best with your pregnancy and financial situation. It's important to be sufficiently covered during this special phase of your life.
