Medical referral during pregnancy

As of July 1st, 2019, ZVK amended the policy for medical referrals during pregnancy. Medically necessary referrals for prenatal diagnosis and childbirth are reimbursed. In a limited number of cases companionship will be enabled.

Before delivery

If there are no prenatal diagnostics options on your home island, you will be sent on a medical referral. This is generally the case for a necessary ultrasound. You are not automatically entitled to companionship for these checkups. In case of a GUO (Advanced Ultrasound Examination) ZVK will reimburse a companionship.


According to the BES Healthcare Insurance Claims Regulations, there is no entitlement to companionship in case of a medical referral for a birth. However, due to the social impact of childbirth, ZVK will pay for the flight of one companion. The companion will stay with you in the same room. If you need to be admitted, the companion can continue to use the room. The companion is not entitled to a daily allowance.

Emergency referral

In case of an emergency referral, you will be transported by air ambulance or medivac chopper.  In addition to the medical supervisor who is always onboard, you are entitled to one companion. This individual is entitled to flights, accommodation and a daily allowance for up to 10 days after the birth.

If a companion wants to stay longer, the costs of changing the return flight is for own account.

Do you want to give birth on another island?

The wish only to give birth on another island is not considered a medical necessity. You will not be entitled to a referral. You can, however, appeal on Article 10, paragraph 4, of the Care Claims Regulations. Consequently the healthcare expenses are fully or partially reimbursed afterwards, travel and accommodation expenses are for your own account.
You cannot claim for companionship.

Flying during pregnancy

In general there are no restrictions to fly until the 32nd week of pregnancy (28th week in case of a multiple birth). Airlines then request a 'fit-to-fly statement' from your doctor. After the
35th week, airlines usually no longer give permission to fly. Always consult with the airline and your doctor prior to flying.