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Two-Hearts Pregnancy Insurance

No delay period, you can buy it at any time during your pregnancy!

A maternity coverage without any waiting period and brimming with all advantages offered by Social Security Agency (SSA).

The opportunity to get a "Lifetime Renewal Guarantee", a unique offer for Two-Hearts babies.

You can always feel good with psychological counseling, dietician and online physician services.

What is a Two-Hearts Pregnancy Insurance?

Welcoming a baby is the most cherished moment in a person’s life. It is time to give the new-born baby the same care and support that our parents once gave us. Yet, the journey of pregnancy brings anxious moments and concerns about financial protection. With ‘Two Hearts’, a maternity insurance plan by Demir, you can benefit from the best health care for the mother and baby without any worries.

There is no delay period that means even if you are pregnant you can take advantage of this policy. Two Hearts Maternity Insurance is a complementary health product that can be used in hundreds of contracted health entities. You can pick any of Silver, Gold and Platinum Networks.

You will benefit from SSA advantages: for your consultations and inpatient treatments, you will not the fee difference that may arise during your visit is 100% covered by Demir Sağlık ve Hayat as described in our special terms (only 15 TL mandatory state contribution for outpatient treatment).

You can organize all your pre-natal controls and checks via out-patient treatment coverage (as an option). We offer also psychological counseling and dietician services, and you can make use of 7/24 online physician services whenever you need it.


You can pay with your credit card in lump sum or in installments.

Frequently Asked Questions

Am I eligible?

Yes, if you are between 18-45 years old.

What is the difference between Two-Hearts Premium Pregnancy Insurance and all other maternity insurances?

There is no waiting period in Two-Hearts Pregnancy Insurance. Even if you are in your 9th month of pregnancy, you can buy it and immediately use it in contracted institutions. You can realize your monthly control checks via outpatient coverage (optional). There is also the inpatient coverage with you can also cover the potential birth complications by adding the Birth Complications extra coverages in your policy scope.

What is a no-waiting-period maternity insurance?

In standard maternity insurances, there is a waiting period determined before the birth process. In our insurance product there is no waiting period that means you can benefit from the coverages immediately.

In which hospitals can I make use of my Two-hearts Premium Pregnancy Insurance?

You can reach the contracted in which this product is valid via the Contracted Institutions page.

Is the epidural process included in the policy?

Normal delivery, normal delivery with epidural, cesarean alternatives are all covered by this policy. Cesarean with epidural is not covered as the SSA does not cover it also in the scope of the Complementary Health Insurance. İf the insurer will take charge of the epidural expenses, the cesarean with epidural can be dispended.