Read here to what extent the maternity care is reimbursed.
Basic insurance reimbursement
Maternity care is reimbursed from the basic health insurance package. This is compensated for a minimum of 24 hours and a maximum of 80 hours, spread over no more than ten days. Counting takes place from the day of delivery.
The conditions
You can receive maternity care after every delivery. The place where you give birth influences the number of days that you can receive maximum maternity care. If you give birth in the hospital and possibly have to stay a (number of) night (s), those will go off the maternity walls.
How much do I have to contribute myself?
A statutory personal contribution of € 4.50 per hour (2020) applies to maternity care that you receive at home. If you give birth in the hospital (without medical necessity), you pay a personal contribution of 18 euros per day (for the child) and 18 euros per day (for the mother).
A higher personal contribution applies if the care provider claims more than 125 euros per day. The deductible does not apply to maternity care. If you give birth in the hospital (with medical necessity), there is no personal contribution for maternity care and the costs are fully reimbursed. If you can go home afterwards, a statutory personal contribution for maternity care will apply, if you are entitled to it.
Personal contribution for outpatient delivery
If you give birth in the hospital without a medical indication, you pay a statutory personal contribution for the outpatient delivery. The personal contribution for hospital delivery lapses if there is a medical indication. You can also take out additional health insurance with a reimbursement for this personal contribution. It is possible to insure yourself with a supplementary policy for the statutory personal contributions that apply to maternity care at home or in the hospital (during delivery without medical necessity).
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