Protecting expectant mothers

Pregnancy Insurance

Pregnancy and childbirth are important periods in every family’s life. Our Pregnancy Insurance is designed to provide peace of mind and financial support for expecting parents if complications arise. It covers both the expecting mother and unborn children during pregnancy and childbirth, and the baby up to one month of age.

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Pregnancy Insurance is a combined insurance for a mother during pregnancy and her unborn child, during birth, and the first weeks of its life, until the child becomes eligible for Child Insurance.

Why should I buy Pregnancy Insurance?

What are my general rights if something comes up during childbirth, pregnancy, or after the child is born?

If you become ill during pregnancy or something comes up during childbirth, after childbirth, or during pregnancy, you and/or the other parent may be entitled to payments from the state, a union, or an employer.

Sick leave during pregnancy

Your right to sick leave is protected by collective agreements if you are an employee, regardless of whether you are pregnant or not. See more about sick leave on island.is. If you use up the sick leave you are entitled to, you may be eligible for payments from your union.

Note that rights under collective agreements only apply to employees and not, for example, to self-employed individuals or students.

It’s also worth mentioning cash sickness benefits from the Icelandic Health Insurance for those who are completely unable to work due to illness or accidents. More information can be found on island.is.

Bereavement grant

If a child dies before the age of 18, parents are entitled to so-called bereavement leave or a bereavement grant. This also applies if a child is stillborn after 22 weeks of pregnancy or if a miscarriage occurs after 18 weeks of pregnancy. More information can be found on island.is.

Sick leave due to a child’s illness

If your child becomes seriously ill or has a chronic illness, collective agreements guarantee the right to paid leave due to the child’s illness. See more about sick leave on island.is.

Note that rights under collective agreements only apply to employees and not, for example, to self-employed individuals or students.

If you contribute to a union health fund, you may be entitled to payments from it due to your child’s illness.

Those who have chronically ill children may also be entitled to care payments from the Social Insurance Administration, more information is available at island.is.

All benefits from Pregnancy Insurance are paid regardless of general rights or rights obtained through collective agreements, whether directly from an employer or a union. They are therefore in addition to the payments you are entitled to from other sources, no matter how extensive your existing rights are.

We recommend that you familiarize yourself with your entitlements, especially if you are a student or self-employed/contractor and therefore have more limited rights than employees.

When can I buy Pregnancy Insurance and when does it take effect?

How much does Pregnancy Insurance cost?

Can all expecting mothers buy Pregnancy Insurance?

Can I just purchase Pregnancy Insurance, or do I need to have other insurance with Sjóvá?

How long is Pregnancy Insurance valid?

Why should I buy Child Insurance at the same time as Pregnancy Insurance?

What is the difference between Pregnancy Insurance and Child Insurance?

How high are the benefits from Pregnancy Insurance?

What pregnancy and childbirth complications are covered?

What congenital conditions is the baby covered for with Pregnancy Insurance?

What if I’m expecting multiples—does Pregnancy Insurance cover all the babies?

I already have Critical Illness Insurance—isn’t that enough?

Gift for expectant parents

Everyone who purchases Pregnancy Insurance receives a small gift from us to increase safety at home, while supplies last.

Our partners offer special deals on various products and services:

Móðurást – 20% discount on premature baby clothing, fitted sheets, pregnancy pillows and gift pillows, 20% discount on products from Lansinoh, 25% discount on products from Shnuggle, 20% discount on the Birth Package, and 15% discount on the Breastfeeding Book.
Lyfja – 15% discount on baby products
Kírópraktor Lindir – 25% discount on chiropractic services for pregnant women
9 mánuðir – 15% discount on 3D ultrasound and childbirth classes

What is covered?	What is not covered?
Death benefits are paid:	Death benefits are not paid:
In the event of the mother’s death during the insurance period. In the event of the child’s death during birth or within the first 30 days after birth. In the event of miscarriage, stillbirth, and medically justified termination of pregnancy.	If the mother dies before the insurance becomes effective. If the child dies after 30 days from birth. Due to termination of pregnancy for reasons other than medical.
Hospitalization benefits are paid:	Hospitalization benefits are not paid:
If the insured is admitted to the hospital due to illness or accident related to pregnancy or childbirth.	For hospital stays not related to pregnancy and childbirth.
Coverage for congenital diseases pays benefits:	Coverage for congenital diseases does not pay benefits:
If the child is diagnosed with one of the congenital diseases specified in the Insurance Policy Terms.	If a congenital disease is diagnosed after one year has passed since the child’s birth.
Coverage for pregnancy or childbirth complications in the mother pays benefits:	Coverage for pregnancy or childbirth complications in the mother does not pay:
If the mother is diagnosed with preeclampsia. If the mother undergoes emergency cesarean section.	For other diseases or incidents than those listed in the terms.
Trauma support pays benefits for:	Trauma support does not compensate:
Costs for treatment by a psychologist or psychiatrist resulting from a compensable event under the insurance.	Costs incurred due to causes other than compensable events under Pregnancy Insurance.

Any limitations on what the insurance covers?

The insurance does not cover diseases or conditions of the mother or fetus diagnosed before the insurance became effective, e.g., during medical examinations, ultrasounds, or other prenatal diagnostics.

Where is the insurance valid?

The insurance is valid anywhere in the world.

What responsibilities do I have?

You must report any damage as soon as possible and no later than one year from the date of the damage.
You must ensure that all the information in the insurance policy is accurate.
You must inform us of any changes in your address, telephone number, and email address.

When and how do I pay the premium?

The premium shall be paid upon the purchase of the insurance. It is payable with a debet- or a creditcard.

When does the insurance start and when does it end?

The insurance becomes valid at the earliest in the 17th week of pregnancy or on the purchase date if bought later. It remains valid for thirty days after birth of the child..

How do I cancel the insurance?

The pregnancy insurance is a short term policy which means that it is valid for limited time and is not terminable.

Download information sheet

Download terms

Child Safety

Most injuries to children occur in the home. Therefore, it is important to focus on prevention at home. The Center for Child Injury Prevention and Sjóvá have compiled a checklist to promote the safety of children under 5 years old in the home. The Center also offers free courses for expectant parents on child injury prevention and car safety.

Life & Critical Illness Insurance

In addition to Pregnancy Insurance, we offer Life and Critical Illness Insurance that provides security for your family. Growing families come with increased responsibility and often financial commitments. If something happens, it ensures financial security and offers support in difficult circumstances.

Make a claim

What is covered?	What is not covered?
Death benefits are paid:	Death benefits are not paid:
In the event of the mother’s death during the insurance period. In the event of the child’s death during birth or within the first 30 days after birth. In the event of miscarriage, stillbirth, and medically justified termination of pregnancy.	If the mother dies before the insurance becomes effective. If the child dies after 30 days from birth. Due to termination of pregnancy for reasons other than medical.
Hospitalization benefits are paid:	Hospitalization benefits are not paid:
If the insured is admitted to the hospital due to illness or accident related to pregnancy or childbirth.	For hospital stays not related to pregnancy and childbirth.
Coverage for congenital diseases pays benefits:	Coverage for congenital diseases does not pay benefits:
If the child is diagnosed with one of the congenital diseases specified in the Insurance Policy Terms.	If a congenital disease is diagnosed after one year has passed since the child’s birth.
Coverage for pregnancy or childbirth complications in the mother pays benefits:	Coverage for pregnancy or childbirth complications in the mother does not pay:
If the mother is diagnosed with preeclampsia. If the mother undergoes emergency cesarean section.	For other diseases or incidents than those listed in the terms.
Trauma support pays benefits for:	Trauma support does not compensate:
Costs for treatment by a psychologist or psychiatrist resulting from a compensable event under the insurance.	Costs incurred due to causes other than compensable events under Pregnancy Insurance.