Pregnancy, Birth, Children, and Fertility
Many health insurers offer more than is required by law
A comprehensive range of benefits relating to pregnancy, childbirth, and children, as well as artificial insemination, is an important consideration for many when choosing the right health insurance company. Many health insurance providers significantly supplement the statutory benefits in this area.
This applies to extended options for preventive care during pregnancy, additional benefits such as midwife on-call service during childbirth, and additional preventive examinations for children. There are also significant differences between the individual statutory health insurance funds when it comes to contributing to the costs of artificial insemination. For couples wishing to have children, families, or single people with children, carefully selecting the appropriate health insurance can bring considerable advantages.
The following table shows the statutory health insurance funds with the most extensive benefits in pregnancy, birth, children, and desire for children. Further down this page, you will find a list of the evaluated benefits.
TOP 10 statutory health insurance funds for pregnancy, birth, children, and fertilityBest health insurances for "Pregnancy, birth and children"
Health Insurance
Score
Membership application
100
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97
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86
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78
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71
71
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70
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68
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68
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68
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These criteria are the basis of the ranking:
Click on the links for detailed descriptions of each benefit (in German) and a list of the statutory health insurance funds that offer that benefit.
- Rooming in for children: Inpatient admission of parents
- Primary school check U10: After first experiences in elementary school
- Pupil check U11: Preventive examination at 9 to 10 years of age
- Adolescent check J2: Preventive examination at 16 to 17 years of age
- Toxoplasmosis screening: Reduce risk of premature births
- B-streptococcus test: B-streptococcus risk factor
- PH self-test for women: Preterm birth prevention
- Dental care during pregnancy: Dental health of mother and child
- Preterm birth prevention: Reduce risk of premature births
- On-call midwife: Delivery with the midwife you trust
- Birth in a birth center: Alternative to hospital
- Childbirth preparation courses for fathers: An important source of support
- Artificial insemination: Some health insurers pay more than others
A detailed description of our evaluation process can be found here (in German). A detailed description of the additional services provided by health insurance funds in the field of Pregnancy, birth, children and desire for children can be found in our German-language website "Krankenkassen.de" in the section Pregnancy, birth, children and desire for children. There you can also find out which health insurance companies support the individual methods.
Supplementary benefits are subject to change at any time. Check with your statutory health insurance fund before claiming benefits. You can find the statutes of your statutory health insurance in the profiles of the statutory health insurance funds. This link leads to the list of 58 statutory health insurance companies participating in the comparison. A detailed description of our evaluation process can be found here (in German).