3.32 Pregnancy and childbirth

Treatment, or any condition arising from pregnancy and childbirth:

Exception: We pay for treatment of the following conditions if the mother has been a member of this plan for at least 12 months:

• Miscarriage or when the foetus has died and remains with the placenta in the womb
• Still birth
• Abnormal cell growth in the womb (hydatidiform mole)
• Foetus growing outside the womb (ectopic pregnancy)
• Heavy bleeding in the hours and days immediately after childbirth (postpartum haemorrhage)
• Afterbirth left in the womb after delivery of the baby (retained placental membrane)
• Complications from any of the above conditions.

Exception: We pay treatment costs for delivering a baby by caesarean section if it is medically necessary. We will only pay if the mother has been a member of this plan for at least 12 months before the delivery.

Exception (not applicable to the Bupa Malta Standard Cover): We pay a maternity cash benefit for medical expenses related to normal pregnancy. Other conditions arising from pregnancy or childbirth which could also develop in people who are not pregnant are not covered by this benefit but may be covered by your other benefits.