Best Maternity Insurance for Expats
Planning a family while living abroad? Childbirth can be costly, and navigating a foreign healthcare system requires preparation. The best maternity insurance offers comprehensive care—from prenatal visits through newborn support—across borders.
What to Look For in Expat Maternity Coverage
To protect both mother and baby, strong maternity plans should include:
Prenatal & Postnatal Care – Includes ultrasounds, routine checkups, and medical support such as lactation consultants and postnatal counseling.
Delivery & Complication Coverage – Covers natural birth, medically necessary C‑sections, and unforeseen complications.
Newborn Care – Includes initial hospital checks and coverage for congenital issues.
Well‑thought Optional Add-ons – Some plans offer extras like fertility treatment, prenatal yoga, lactation support and counseling.
Reasonable Waiting Periods – Most plans require 10 to 12 months before maternity coverage is effective.
Leading Expat Maternity Insurers
Cigna Global: Offers maternity benefits under Gold and Platinum plans, covering routine care, complications, home births, and newborns.
Allianz Care: Their Bloom and Bloom Plus plans include prenatal and postnatal benefits, plus extras like breastfeeding support and yoga.
AXA Global Healthcare: Prestige and Prestige Plus plans offer maternity cover with access to midwife support via phone.
VUMI: The Global Flex VIP Ultra and Total plans offer robust maternity limits and even fertility coverage in some tiers.
At a Glance: Maternity Plan Comparison
(Provider - Highlights - Waiting Period)
Cigna Global - Covers prenatal, delivery, complications, home birth, newborn care
~12 months
Allianz Care - Includes extras like yoga, counseling, breastfeeding support
~10 months
AXA Global - Offers midwife helpline and flexible delivery support
10–18 months
VUMI - High maternity limits, and fertility support in certain plans
~12 months
The best maternity insurance combines broad prenatal and newborn benefits with flexible delivery options. Cigna, Allianz, AXA, and VUMI are consistently rated top-tier by expats—offering robust global coverage and extras that ease the journey through pregnancy abroad.
