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Receive extra health checks during pregnancy with SBK
We have put together the most important information about the various health checks here so that you can concentrate on getting ready for your baby during your pregnancy.
All of the medical checks required during pregnancy are set out in the German Federal Joint Committee’s maternity guidelines. These include a major health check at the beginning of the pregnancy, followed by regular check-ups to monitor you and your baby during the pregnancy. These form the basis for comprehensive healthcare provided during pregnancy and are completely covered by us.
Of course, we take care of all other health checks, too, provided that these are medically necessary. Your doctor decides whether you need further check-ups. Your doctor can then invoice us directly for these additional check-ups via your health care card. In particular, women with high-risk pregnancies are likely to need additional check-ups, such as extra ultrasound screenings, as the doctor sees fit.
Good to know: your employer is obligated to allow you to attend medical check-ups without any loss of earnings.
Once you get a positive pregnancy test, you will have your first big check-up, at which your pregnancy will be confirmed by a doctor. Simply make an appointment with your gynaecologist.
What happens at the regular check-ups?
During your pregnancy, all of the test results will be entered in the maternity log that you receive from your gynaecologist at your first check-up. You should always keep this log with you, so that an unknown doctor can respond quickly in case of an emergency.
Your gynaecologist will provide you with ongoing support throughout your pregnancy. The following regular check-ups take place every four weeks up until the 34th week of pregnancy. After this, they take place every fortnight. You will have ten to twelve appointments in total. Of course, you can also contact your doctor at any time if you have any concerns.
What happens at the regular check-ups?
Ultrasound scans allow you to see your unborn child for the first time. These are very special moments and can be highly emotional for all parents-to-be. In addition to monitoring progress during pregnancy, such examinations help expectant parents establish a firm bond with their unborn child.
Using the ultrasound scans, the doctor can track the child’s development and can also, for instance, determine the gestation of the baby, uncover any multiple pregnancies and detect any abnormalities.
A total of three ultrasound scans normally take place during pregnancy usually take place in the 10th, 20th and 30th weeks. We cover the entire cost of these examinations. In the case of any abnormalities, the doctor can invoice us directly right away for further ultrasound scans.
Pregnant women are often offered additional ultrasound scans by the doctor, even if there is no medical need for them. These are known as personalised healthcare services and are not covered by us. For such additional examinations, the doctor will issue you with a private invoice.
The scheduled statutory check-ups during pregnancy already comprise comprehensive medical care for you and your baby, which are covered by statutory health insurance. You may want your gynaecologist to carry out further examinations.
Like additional ultrasound scans, these are classed as personalised healthcare services and are not usually covered by your health insurance. They are only carried out at the express request of the pregnant patient and always incur a fee. For this reason, you should always discuss this with your doctor in detail before undergoing such additional checks. Generally speaking, it is worth questioning the need for personalised healthcare services. If you are in any doubt, you are advised to get a second opinion from another doctor or a midwife.
Our tip: consult your maternity log to check which examinations are deemed necessary by experts in prenatal care, as these are the only ones included in the maternity log.
You are also welcome to seek advice from our medical experts at any time, including the weekend, by calling our SBK Health Helpline for Expectant Mothers and Children.
Prenatal screening refers to diagnostic tests that take place before birth. In prenatal screening, doctors look specifically for signs of abnormalities or hereditary diseases in the unborn child. These examinations do not form part of the set of statutory check-ups. However, if you have specific health or family-related medical risks, you should ask your doctor about the options for prenatal screening. If you agree to such testing, your doctor must inform you of the procedure, purpose, risks, significance and potential consequences before every test.
Many expectant parents may want to have a test done ‘just to be on the safe side’. However, a test result may be different from what is expected, leaving an expectant mother and her partner unprepared for making a big decision. Parents-to-be should therefore inform themselves in advance about the tests on offer and think carefully about how they might deal with an unfavourable test result. Moreover, in some cases the methods used to perform the examination may themselves pose risks to the pregnancy.
The following applies to all prenatal screening:
In the case of any abnormalities, the doctor can invoice us directly for the cost of specific prenatal diagnostic tests after a detailed consultation with you and with your consent. If there is no indication of any abnormality in the child’s development, prenatal screening must be paid for by the patient as personalised healthcare services.
As the health of you and your child are so important to us, as part of the SBK Happy Baby Package you receive a Care Plus allowance of €100 to go towards selected medical checks that go beyond the statutory framework. This gives you extra peace of mind during this exciting phase of your life. For information about which medical checks you can access with your €100 allowance, please see our ‘SBK Happy Baby Package’ page.
For the initial major health check and regular check-ups, as well as any special examinations that are medically necessary, simply present your SBK health care card at your doctor’s surgery. We’ll take care of everything else.