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.
Pregnancy Insurance covers a period that other insurance types do not. This is the first time in Iceland that it is possible to insure both mother and child during this precious time.
Frequently Asked Questions
Everyone who purchases Pregnancy Insurance receives a small gift from us to enhance safety at home. Our partners also offer special deals on various products and services:
- Móðurást – 20% discount on premature baby clothing, fitted sheets, and pregnancy/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
Pregnancy Insurance
What type of insurance is this?
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.
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. | If the mother dies before the insurance becomes effective. |
In the event of the child’s death during birth or within the first 30 days after birth. | If the child dies after 30 days from birth. |
In the event of miscarriage, stillbirth, and medically justified termination of pregnancy. | 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. | For other diseases or incidents than those listed in the terms. |
If the mother undergoes emergency cesarean section. | |
| 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 or on the purchase date if bought later. It remains valid for thirty days after birth.
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.
