A growing trend among pregnant women: An insecure pregnancy and childbirth led Almedina to create a private pregnancy insurance policy.

Almedina Avdagic is the mother of three children. Before giving birth to her third, now a three-month-old baby, she took out a pregnancy insurance policy.

The decision was based on her experience with the healthcare system during her second pregnancy and childbirth.

> "We feel unsafe about the system currently in place for pregnant women."

> Almedina Avdagic, customer of Tryg Insurance

Frequent changes in midwives meant she was often met by staff who had not read her medical records. This made her feel unsafe during and after the birth, and a year later, she experienced a postpartum reaction.

The fear of going through the same with her third child led her to purchase additional security from her insurance company.

> "I wanted to feel more secure and be prepared in case something happened," says Almedina Avdagic.

She is far from the only one to buy extra security during pregnancy.

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Lack of Trust in the Public System

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At Denmark’s largest insurance company, Tryg Forsikring, which launched pregnancy insurance policies three years ago, the proportion of pregnant customers taking out such insurance has risen significantly.

In 2024, it was about one in ten pregnant women who took out pregnancy insurance, while the figure for 2025 stands at one in five.

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What Is a Pregnancy Insurance Policy?

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Several insurance companies offer pregnancy insurance policies, including Denmark’s largest, Tryg, as well as If/Topdanmark and ASE.

What these policies cover varies from company to company and depends on which versions of the policies are taken out. At Tryg, the policy includes a hotline with a midwife, various treatment options, and compensation for injuries sustained during childbirth—depending on how much the customer pays.

Tryg Forsikring has offered pregnancy insurance for three years, and in that time, six million kroner in compensation have been paid out. The most common payouts go to perineal tears during childbirth, crisis support after traumatic births, prolonged hospital stays, and practical help at home due to postpartum complications.

The very concept faces criticism from healthcare professionals. The public healthcare system and a standard accident insurance policy should be sufficient, they argue.

But Almedina Avdagic couldn’t relate to that experience. And she believes the same applies to other pregnant women who choose to take out pregnancy insurance.

> "I think we feel unsafe about the system currently in place for pregnant women," she says.

> "If someone chooses this because they couldn’t get adequate advice in the public system, then that’s really sad and not good enough from my perspective."

> Lis Munk, president of the Danish Midwives Association

Almedina Avdagic herself was connected to the public offering for "vulnerable pregnant women," but she didn’t feel it was enough.

> "Even though I actually got a dedicated midwife who was very nice, I didn’t feel that they could address the things I really wanted. We made a birth plan, but it wasn’t detailed enough. Tryg could have helped me with that, so I could send it to the hospital," she explains.

Among the critics of pregnancy insurance policies is the Danish Midwives Association.

President Lis Munk points out that it should not be necessary to buy security in the Danish healthcare system at all.

> "If someone chooses this because they couldn’t get adequate advice in the public system, then that’s really sad and not good enough from my perspective."

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