Does private insurance cover pregnancy and birth?

It depends on the policy. Some policies on the market include prenatal care, ultrasounds, tests and birth in a private clinic, but what a specific policy covers, birth included, and from when the cover applies is confirmed in the free estimate.

What is the waiting period for birth?

It is the time from taking out the policy after which birth cover begins, if the policy includes it. How long it lasts depends on the specific policy and is confirmed in the free estimate. That is why it is worth asking early, while you are still planning a child.

What if I am already pregnant?

It depends on the terms of the specific policy. A manager will check the options for your situation as part of the free estimate.

Maternity Insurance in Spain: How to Prepare in Tenerife

Expecting a child in a new country is doubly exciting. The good news: Tenerife has quality private healthcare. But a lot depends on when you take out the policy and what exactly it includes.

The key rule: arrange it early

The main feature of maternity insurance is the waiting period. Birth cover, where a policy includes it, usually does not start immediately but after a set time from taking out the policy. How long depends on the policy and is confirmed in a free estimate for your policy. That is why the question is best settled before pregnancy, not once it has begun.

If you are already pregnant, whether a new policy will cover the birth depends on the terms of that specific policy. A manager will check the options as part of the estimate.

What cover usually includes

Policies with maternity cover on the market often include the items below. This describes the market, not a specific policy: what your policy includes, birth included, is confirmed in the estimate.

prenatal care and check-ups with a gynaecologist;
ultrasounds and scheduled tests;
specialist consultations;
birth in a private clinic;
postnatal follow-up and first care for the baby.

What to look out for

Waiting period — check it in advance; it decides when to take out the policy.
Clinics — check which maternity units and specialists are available in Tenerife under the policy.
Baby cover — ask how and when the newborn can be added to the policy.
Language — where possible, doctors who speak your language: at a moment like this it matters especially.

Tip: if you are still planning a child, this is the right time to ask about a policy. The estimate will tell you whether it includes prenatal care and birth, and from when the cover applies.

How much it costs

The cost depends on age, the cover chosen and the clinics, so it is calculated individually. The estimate is free and commits you to nothing — you can find out the amount in advance and plan everything without rushing.

Planning a child in Tenerife and want to arrive prepared? Just ask in the chat — we will help you make sense of the waiting periods and prepare a free estimate with a manager.