Tips for the mother
• For benefits for motherhood* in the basic insurance neither
a deductible rate nor retention has to be paid. Often it is not
obvious to the health insurance company which expenses are
linked to motherhood. It is best the care provider states on
the invoice that motherhood is the case.
• Especially with hospital supplementary insurances, a quali-
fying period in the case of motherhood applies. This means
that in the case of motherhood full coverage in a semi-private
or private ward is only applied after a certain time period.
This time period varies depending on the provider. Generally,
this supplementary insurance has to be taken out at least
365 days before the claim for benefits.
• Furthermore, it has to be checked whether existing supple-
mentary insurances include benefits in the case of
motherhood.
* includes pregnancy and delivery as well as the time after
birth (childbed and lactation period)
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