We provide cover under this Policy if something unexpected happens. We do not consider pregnancy or childbirth to be an illness or injury.
Cover is automatically provided under section 1 (Cancellation), section 2 (Curtailment) and section 6 (Medical emergency expenses) for complications of pregnancy and childbirth which existed at the time of taking out this Policy or developed at a later stage, provided your doctor and midwife are aware of your travel plans and that you are not travelling against medical advice. Childbirth in or after the 32nd week for a single pregnancy (or 24th week for a multiple pregnancy) is not a complication and is not covered under any section of this Policy.
Complications of pregnancy and childbirth are defined as:
- Toxaemia – toxins in the blood
- Gestational diabetes – diabetes arising as a result of pregnancy
- Gestational hypertension – high blood pressure arising as a result of pregnancy
- Pre-eclampsia – where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy
- Ectopic pregnancy – a pregnancy that develops outside of the uterus
- Molar pregnancy or Hydatidiform mole – a pregnancy in which a tumour develops from the placental tissue
- Post-partum haemorrhage – excessive bleeding following childbirth
- Retained placenta membrane – part or all of the placenta is left behind in the uterus after delivery
- Placental abruption – part or all of the placenta separates from the wall of the uterus
- Hyperemesis gravidarum – excessive vomiting as a result of pregnancy
- Placenta praevia – when the placenta is in the lower part of the uterus and covers part or all of the cervix
- Stillbirth
- Miscarriage
- Emergency caesarean section
- A termination needed for medical reasons
- Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.