Applying for hospitalisation insurance during your pregnancy

Hospitalisation insurance is good for your peace of mind. Are you pregnant and want to purchase hospitalisation insurance during your pregnancy? Then be sure to keep in mind the specific waiting period.

What is a waiting period?

Hospitalisation insurance insures a risk that you hope does not occur. To prevent abuse of this cover, most insurance policies have a waiting period. The waiting period makes it possible to keep premiums low, which in turn keeps hospitalisation insurance accessible to all.

Would you like to get hospitalisation insurance? Then a waiting period of six months will usually be applicable. Pregnancy is an exception to this.

What waiting period will apply if you get insurance during your pregnancy?

At Helan, if you purchase insuranceduring your pregnancy, a specific waiting period applies.

• If you have your child within the first 3 months after getting insurance, a full waiting period applies and you will not receive any reimbursements from your hospitalisation insurance.
• If you give birth from the 4th month (to the 9th month) after you get your insurance, you will received a limited reimbursement from the hospitalisation insurance if you choose a double-occupancy room.

Can you take out hospitalisation insurance during your pregnancy without a waiting period?

It is not possible to take out hospitalisation insurance without a waiting period during your pregnancy. At Helan, like most insurers, we apply a waiting period to keep premiums fair and affordable. That is why it is wise to take out hospitalisation insurance in good time, preferably well before your pregnancy. This way, you will be well prepared and enjoy the peace of mind that comes with being insured for unforeseen costs. Would you like to know more about our hospitalisation insurance? We are ready to help you with tailored advice.

Is your childbirth covered by your hospitalisation insurance?

Yes, the costs of childbirth are generally covered by our hospitalisation insurance, provided that you meet the waiting period as explained above. This means that you must already be insured before you become pregnant. The insurance covers most of the costs of both a normal delivery and a caesarean section, including hospitalisation and any additional medical care (pre- and post-natal care, for example). Always consult your policy conditions for a clear overview of exactly what is reimbursed.

How do you add your baby to your hospitalisation insurance?

Send us the necessary documents to register your child with Helan, and we will ensure that he or she is automatically registered with the health insurance fund and any additional insurance policies (unless the parents expressly request otherwise). This way, your baby will receive the best care from day one.