Having a baby as an expat?
Pregnancy questions to ask your Doctor

By Allianz | August 19, 2025 | 4 Min Read

Table of Contents

Couple on beach

Planning to have a baby abroad comes unique challenges, from understanding local maternity care to knowing your rights and insurance options. This guide helps expats prepare by outlining key pregnancy questions to aks your doctor, so you can feel confident and supported. 

If you and your partner are not letting an overseas assignment impact your family planning, make sure your international health insurance includes maternity benefits.

If you don’t have maternity cover, you will need to research having a baby through the public health system in your country of residence. If you opt to pay for private care, you may be left with significant medical bills. 

It is a good idea to schedule a check-up with your family doctor in your country of residence before you become pregnant. You are likely to have a host of questions around having a baby and family planning while you are in that country. During this time, it might be useful to ask some of the following pregnancy questions:

View out the window

This is likely to vary depending on where you are located. For example, in the Netherlands, maternity care is provided by a family doctor or midwife who you will see once a month for the first half of your pregnancy and less often as the pregnancy progresses. 

In Singapore, maternity care is obstetrician led. One member of staff may be caring for many women in a hospital setting. So, in Singapore it is common to have a doula or private midwife to advise you during pregnancy, assist during birth and provide postnatal support.

If you are located in the UAE, then you must be married if you plan to have a baby. A marriage cert will be required when you go for your first pregnancy test. If you are located in Dubai with private maternity insurance, you can look forward to some of the best private maternity facilities in the world. Similarly, to other countries you can choose your own ob-gyn. However, when you are opening a maternity file, check hospital policy regarding your husband. Some allow them to stay beyond visiting times or overnight, but it does vary by hospital. 

Don’t forget to ask these important pregnancy questions as they can provide a lot of significant information you should know before becoming pregnant.

Where women choose to give birth varies by country as will the choices available to you. As of 2022 the Netherlands has the highest rate of home births per 100,000 inhabitants with a 5-year average of 161,922.

In many other countries over 90% of women give birth in clinical settings. It is a good idea to ask your doctor what your options are wherever you are currently based. 

As an expat, it is possible that you may need to travel in the early stages of your pregnancy. It’s important to know when this is safe to do and when you should stop travelling. Generally studies say, flying before 36 weeks is considered safe for those with no other pregnancy problems. Some airlines may not permit pregnant women to fly on long haul international flights, therefore it is always necessary to tell the provider how far you are flying. However, most important is to always check with your doctor should you need to travel, as every case is different. Seeking advice whenever you are unsure during pregnancy is the best way to see what is best for your body and your baby.

It is best to discuss your expectations and preferences at the family planning stage to get a feel for what the norm is in your country of residence. For example, in Spain, epidurals are always recommended and about 70% of women choose to have one. In France this figure increases to over 80% of first-time mothers. In contrast, in Japan, many hospitals do not use epidurals. Instead, movement massage and acupuncture are used to relieve pain. 

Similarly, it might be worth asking about how long a typical recovery after giving birth is in your country of residence. In some countries, hospitals discharge new mothers the same day as giving birth if there are no complications. In others you may stay in a hospital or clinic for 6 days or more recovering and receiving post-natal care and support. 

These are just some of the questions you may wish to ask your doctor as an expat planning a baby overseas. With the right support and plan, having a baby while on expat assignment should be the same fulfilling experience no matter where you are in the world.

If you would like international health insurance with maternity benefits please get in touch, we would be happy to answer any questions you might have.

Before venturing to another country, make sure you have a health insurance plan you can rely on

At Allianz Partners, Health, our blog is crafted by a team of experts dedicated to providing valuable insights and guidance on global health and insurance topics. With a focus on expatriates, international businesses, and individuals navigating healthcare abroad, our authors bring a wealth of knowledge and experience to every article.

We aim to deliver practical advice, industry updates, and actionable tips to help you make informed decisions, whether you're exploring international health insurance, managing employee health plans, or staying informed about the latest healthcare trends. Trust our blog to be your go-to resource for navigating the world of global health and insurance.

If you are a member and have been affected by any of the issues discussed in this article please contact our helpline today to find assistance.