International Health Insurance with Maternity Cover

Prenatal

Prenatal care can support you throughout pregnancy and may include services such as blood tests, ultrasounds and healthcare appointments.

Routine delivery

Depending on the selected plan, your maternity health insurance may cover eligible hospital costs for routine deliveries and medically necessary Caesarean sections. Eligible midwife, obstetrician and anaesthetist fees may also be covered, subject to policy terms and benefit limits.

Delivery complications

Although it can be difficult to think about possible birth complications, it’s always better to be prepared. Having cover that includes delivery complications may help with eligible treatment costs if complications arise.

Postnatal/Newborn

You’ll want to ensure that you and your newborn are cared for after childbirth. This can include services such as lactation support, counseling, immunizations and well-being check-ups for your baby.

Things to consider about maternity when living or moving abroad

If you’re planning on having a child while living abroad, you’ll want the process to be as smooth and stress-free as possible. Things to consider include:

Flight restrictions

Many people can fly during an uncomplicated pregnancy, but airline policies and individual medical circumstances vary. Some airlines restrict travel towards the end of pregnancy or require medical documentation after a particular stage. Check with your airline and speak to your doctor or midwife before travelling.

• Most commercial airlines will allow you to travel when you’re up to 36 weeks for single pregnancies, or up to 32 weeks for multiple pregnancies but you must always check with your airline before flying (e.g. twins).
• Travelling while four to six months pregnant is usually considered the most ideal time – being viewed as a suitable halfway mark.

Always check with your doctor or midwife before departure to ensure that you’re safe to fly. Some airlines require written documentation of this.

Travel vaccinations while pregnant

Some travel vaccinations may be suitable during pregnancy, depending on the vaccine, destination and individual circumstances. Speak to your doctor, midwife or travel health professional before receiving a travel vaccination.

Maternity care in your country of residence

Prior to your move, take time to research the available maternity care in your new destination.

Consider the following:

• Where to find available care
• How to register for care
• Do you have to pay for appointments?
• Will you be covered under maternity health insurance?
• How far in advance do you need to book appointments?
• Are there any language barriers?

Finding a new doctor

Find a doctor close to where you plan to stay and think about how you will travel to the clinic for appointments. Look at reviews, too, to ensure that your chosen service meets your needs. Cigna's support team can help you locate providers within our healthcare network.

Once you’ve selected your new healthcare provider, schedule an appointment well in advance for when you arrive.

Prepare your documents

If possible, gather your medical records and documents before you depart to a new country. This can often be done electronically.

Moving to a country where a different language is spoken? If so, it could be useful to get your documents translated.

Practical planning

Last but certainly not least, you’ll need to do some practical planning for your birth. Consider factors like:

• How you’ll register your baby’s birth
• How to get a birth certificate
• Will your baby hold dual nationality?
• Are there any local support groups for new parents?
• Organising maternity leave at work (if applicable)
• Childcare options for the future

Want to learn more about moving abroad while pregnant? Check out our helpful guide on pregnancy care abroad.