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Two-Hearts Pregnancy Insurance

A maternity insurance without waiting period; discover our products!

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

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.

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 our 7/24 online physician service whenever you need it.

In case you choose our complementary health insurance for your baby, our gift for your kid will be the Lifetime Renewal Guarantee. That means we will renew his/her policy no matter the ages and health conditions.


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 Pregnancy Insurance and all other maternity insurances?

This product contrary to the others is a complementary health insurance. Only people eligible to SSA can benefit ftom Two-Hearts Pregnancy Insurance.

İf so you can choose a network among 3: Silver, Gold and Platin, regarding the hospital in which you plan to give birth.

This policy's coverages are:

  • Outpatient coverage: optional - 8 times in a year you can use for your monthly controls
  • Inpatient coverage: 5.000 TL ( without outpatient coverage) or 10.000 TL (with outpatient coverage)
  • Pregnancy coverage

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 Pregnancy Insurance?

You can reach the contracted in which this product is valid via the Contracted Institutions page: https://www.demirsaglik.com.tr/iletisim/anlasmali-kurumlar

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. İf the insurer will take charge of the epidural expenses, the cesarean with epidural can be dispended.