International Maternity Insurance

Whether you’re starting or growing your family while you’re abroad, it’s vital that you and your baby have access to the best possible care. International maternity insurance will provide cover for you and your family while you’re overseas.

What is expat maternity cover?

Maternity cover refers to what will be included in international health insurance covering pregnancy. This will involve all things required for maternity care, including delivery and newborn care for the child.

What is expat maternity cover?

Why is international maternity cover for expats important?

International maternity cover is hugely important for expats. Having a baby overseas can be an exciting time, but it’s vital that you and your baby have access to the best possible care, wherever you are in the world.

Many countries have high costs associated with giving birth. Other countries might offer free healthcare, but might not have the quality facilities and care that expats are used to. International maternity insurance will ensure you have access to the best facilities and healthcare professionals, without having to pay out-of-pocket.

A benefit of international pregnancy insurance from Expatriate Group is that we operate on an open network of hospitals, so you have the freedom to choose whichever facility you wish to give birth. You will often be able to access multilingual healthcare professionals, giving you added peace of mind throughout your pregnancy.

Why is international maternity cover for expats important?

What maternity cover do I get?

At Expatriate Group, our Select plan provides comprehensive maternity cover for expats. With this option, any complications that arise throughout your pregnancy will be 100% covered.

We also cover various types of delivery, giving you the freedom to deliver your baby how you wish, and the peace of mind that you will be covered in any unforeseen circumstances. We will cover you for normal delivery, elective caesarean, non-elective cesarean, and home delivery up to £7,500. Newborn care will also be covered up to £25,000.

Our international maternity insurance also includes any home nursing that’s required following a home delivery for up to five days.

What maternity cover do I get?

Insurance plans

What’s the best international health insurance for professionals?

Expatriate Group is an expert in international healthcare, having provided cover for our customers since 1997. We have four different health insurance plans for professionals, offering a range of features, so you can find the right solution for your specific medical needs.


  • Comprehensive plan
  • Maternity care
  • Dental care
  • Optical care


  • Hospital care
  • Outpatient care
  • Emergency dental
  • Diagnostic tests

Primary+ Lite

Primary + Lite
  • Hospital care
  • Prescribed medicine
  • Emergency transportations
  • Emergency dental treatment


  • Hospital treatment
  • Doctor and specialist fees
  • Outpatient surgeries
  • Prescriptions and drugs

Not covered

Exclusions for expat maternity insurance

Not all types of treatment will be covered in our international maternity cover. Our delivery cover has a limit of £7,500, and our newborn care has a limit of £25,000.

Maternity costs in the first 12 months of cover are excluded (unless you are on a group policy with MHD underwriting).

You can contact us to discuss your specific requirements and circumstances.

Make a claim

How to claim on your international maternity insurance

To recover costs you have already paid for your maternity care, you can visit

If you would like to obtain pre-approval for maternity costs, you can call +44 20 8181 3818. You should obtain pre-approval as soon as reasonably possible, but at least seven days before your treatment. This means we will be able to guarantee costs are delivered directly to your facility, without you having to pay out-of-pocket.

To make a claim for your maternity cover, you will need:

  • Proof of ID (passport).
  • Proof of your address (utility bill).
  • Any supporting medical reports or hospital discharge notices.
  • Invoices for any costs incurred.

If you require emergency assistance, you can call +44 (0)20 8181 3818. We can provide you with multilingual support 24 hours a day, 7 days a week, liaising with your doctors and hospitals to ensure you receive the best care.

Quick Quote Key Benefits

Policy Benefits

The Benefit Schedule

Below is a summary of the benefits included in each of the four international healthcare insurance plans. For more information get in touch with Expatriate Group today.

  Select Primary+ Primary+lite Primary
Income Replacement
Accidental Death and Permanent Total Disability† $/€/£100,000
† For Terms and Conditions see separate PAI Policy Wording
Hospital Benefits
Annual Aggregate Maximum $/€/£5,000,000 $/€/£1,500,000 €/£/$1,000,000 $/€/£1,000,000
Private Hospital Bed Yes Yes Yes Yes
Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. Yes Yes Yes Yes
Prescribed Medicine and Drugs Yes Yes Yes Yes
Diagnostic Tests and Procedures (including MRI, CAT, PET) Yes Yes Yes Yes
Oncology/Cancer Treatment Yes Yes Yes Yes
Psychiatric 30 days 30 days 30 days 30 days
Home Nursing (following hospitalisation) 30 days 30 days 30 days 30 days
Hospital Cash Benefit $/€/£150 per night $/€/£100 per night $/€/£100 per night $/€/£75 per night
Rehabilitation (following hospitalisation) $/€/£2,000 $/€/£2,000 $/€/£2,000 $/€/£2,000
Parent Accommodation Yes Yes Yes Yes
Second Opinion for Surgery Yes Yes Yes Yes
Organ Transplant $/€/£300,000 $/€/£150,000 $/€/£150,000 $/€/£100,000
Outpatient & GP Benefits
Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries Yes Yes Yes Yes
Prescribed Medicine and Drugs Yes Yes Outpatient benefits capped at €/£/$1000 for pre-hospitalisation and then for 60 days following a valid hospitalisation
Diagnostic Tests and Procedures (including MRI, CAT, PET) Yes Yes
Physiotherapy & Alternative Medicine 20 sessions 10 sessions 10 sessions
Management of Chronic Conditions $/€/£100,000 $/€/£20,000
Oncology/Cancer Treatment Yes Yes Yes Yes
Psychiatric 10 sessions/$/€/£3,000 10 sessions/$/€/£3,000
Assistance Services & Special Benefits
Emergency Medical Transportation Yes Yes Yes Yes
Local Ambulance Yes Yes Yes Yes
Expenses for accompanying Dependent        
    Travel Yes Yes Yes Yes
    Accommodation & Subsistence $/€/£150 per day $/€/£100 per day $/€/£100 per day $/€/£75 per day
Repatriation of Mortal Remains $/€/£10,000 $/€/£5,000 $/€/£5,000 $/€/£5,000
Compassionate Travel Yes Yes Yes Yes
Family Compassionate Travel $/€/£250 $/€/£250 $/€/£250 $/€/£250
Terminal & Palliative Care $/€/£30,000 $/€/£20,000 $/€/£20,000 $/€/£15,000
HIV, AIDS & ARCS $/€/£50,000 (lifetime) $/€/£50,000 (lifetime) $/€/£50,000 (lifetime)
Maternity Care
Complications of Pregnancy 100% $/€/£5,000 $/€/£5,000
Normal Delivery $/€/£7,500*
Elective Caesarean Operation $/€/£7,500*
Non-elective Caesarean Operation $/€/£7,500*
Home Delivery $/€/£7,500*
Home Nursing following Home Delivery 5 days*
New Born Care $/€/£25,000*
* = Excludes costs incurred in first 12 months
Dental Care
Accidental Emergency Dental Treatment Yes Yes Yes Yes
Routine Dental Treatment $/€/£750
Basic Restorative Dental Treatment $/€/£750
Major Restorative Dental Treatment $/€/£1,000
Dental benefits (except Accidental) are subject to a 20% co-pay
Optical Care
Examinations & Lenses (inc. contact lenses) $/€/£150
Preventative Care
Annual Medical Check-up $/€/£ 300 $/€/£ 250
Travel Vaccinations Yes
Cervical Smears Yes
Mammograms Yes
Prostate Cancer Screening Yes
Yes = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months
Get a Quote

Get more info

Expat Insights

Get a Quote