FAQs about insurance
Will my delivery be covered by my medical insurance?
If you have private medical insurance you will need to check with your insurance company to find out whether your antenatal care and delivery is covered under your policy and how much cover your insurance company provides.
Generally, the main UK insurers (Axa PPP, Cigna, Bupa, Aviva, Pru Health) do not cover private maternity care unless you require a caesarean section for medical reasons. Some UK insurance companies only cover the cost of a caesarean section for medical reasons if the mother’s life is at risk. It is important for you to talk to your medical insurer as soon as you know that you are pregnant to establish what you are able to claim for under your policy.
Medical insurance companies who provide cover to expatriates (Bupa International, Cigna International, Axa International) often have more generous maternity benefits providing cover for antenatal care and delivery whether you are having a natural birth or a caesarean section. As every policy varies you will need to contact your insurance company to find out what level of cover you have.
If you find out during the course of your pregnancy that you do require a caesarean section for medical reasons you can book into The Portland Hospital at any stage of your pregnancy.
You may find that you have a specific benefit limit, an excess/deductible or even a co-pay on your policy so it is important to understand how your medical insurance policy is structured.
If my insurance does not provide full maternity cover how will I know how much my antenatal care and delivery will cost me?
If you have limits on your medical insurance it can feel overwhelming when you are trying to work out how much your antenatal care and delivery will cost you. If you contact us with details of your insurance policy including any excesses or co-pays we can put together an itemised hospital quote based on your preferred delivery option. This will make it much easier for you to establish how much you may have to contribute towards the cost of your care.
If I am insured how does the payment work?
As a hospital we have arrangements in place with many medical insurance companies so that we can bill them directly for your care. Where we do not have a direct arrangement we can still arrange to bill your insurance company directly if we receive a verified letter of guarantee or pre-authorisation from your insurer. However, if there is an excess or a co-pay on your medical insurance policy then we will collect this directly from you. Most consultants who practice at The Portland Hospital are also able to bill medical insurance companies directly for your care.
In the rare situation where we do not have an arrangement in place to bill your medical insurance company directly, and they do not issue a letter of guarantee, your insurer may ask you to pay for the medical care yourself and then claim the cost back using a claim form. To make this as easy as possible for you we can provide you with itemised invoices from the hospital and your consultant to support your claim.
Does my medical insurance provide cover for my baby?
Many medical insurance companies will cover your baby on your policy at no extra charge for 21 days or longer for routine care. However, it is important that you contact them as soon as your baby is born to ensure that he/she is added to your policy.