Maternity is the benefit with the longest lead time in international health insurance, and the one clients most often discover too late.
“The waiting period runs from your policy start date — not from your first appointment.”
| Cover level | Typical waiting period | Routine maternity limit |
|---|---|---|
| Essential | Not covered | — |
| Intermediate | 12 months | €5,000 – €8,000 |
| Premium | 10 – 12 months | €10,000 – €20,000 |
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