ACCESS NL > Healthcare in the Netherlands > Having a baby in the Netherlands > Dutch prenatal care > Will my Dutch health insurance cover childbirth costs if I am already pregnant when I move to the Netherlands?
Dutch prenatal care
I am pregnant and will be giving birth in the Netherlands. What practical preparations do I need to make?
Will my Dutch health insurance cover childbirth costs if I am already pregnant when I move to the Netherlands?
Maternity care is covered by basic insurance, and pregnancy is covered even if it is a pre-existing condition.
If you have just moved to the Netherlands and have applied for health insurance, it might take some time before you are insured. In that case, it is still possible to see a midwife. You will probably have to pay for the visit. If the appointment is on or after the starting date of your insurance, the costs will be reimbursed as soon as you receive your insurance number.
If a hospital birth is for a medical reason (i.e. you have been referred to secondary care), your health insurance company will normally cover the total costs. Choosing a hospital birth when there is no medical reason is not covered by the basic health insurance. Some additional insurance policies cover these costs or a part of it – check your own health insurance to establish exactly which costs are covered.