Should I get Insurance while pregnant?


Barlow Irvin Financial Services Protection Specialist, Jade Winstanley knows only too well that we just never know what’s around the corner. Here, she tackles the question “should I get insurance while I am pregnant?”

It’s good to know that you can get life insurance and/or critical illness insurance when pregnant, so you don’t have to wait until you’ve given birth.

With any pregnancy there are risk and complications, we work with several insurance providers that recognise this and cover both the mother and the unborn child.

With that in mind, here’s a list of the main pregnancy complications that can be claimed, to get a £5,000 – £10,000 payout. 

  • ectopic pregnancy with surgery to remove a fallopian tube.
  • placental abruption (but excluding placenta praevia). 
  • foetal death in utero after at least 20 weeks gestation.
  • new-born intensive care – +37 weeks gestation requiring 24/7 tracheal intubation between birth date and 90 days.
  • still birth (excluding elective pregnancy termination) after at least 24 weeks gestation. 
  • eclampsia (but excluding pre-eclampsia).
  • disseminated intravascular coagulation (DIC).
  • hydatidiform mole.
  • birth defects e.g., cleft lip/palate, club foot etc.

Unfortunately, illness and accidents can happen at any time. If life insurance and/or critical illness insurance is right for you, buying it sooner rather than later is worth it. This is because premiums tend to cost less the younger you are.

Please give Jade a call on 01204 304814 or contact her through our website to chat through your requirements.

About the author 

The Barlow Irvin Team

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