The short answer
As a rule, no. Health insurance plans require the pregnancy to begin after the enrollment date or set a maternity waiting period, so an ongoing pregnancy has no delivery coverage. The two exceptions are Allianz and AXA Colpatria, which offer add-ons to cover an ongoing pregnancy for an extra premium.
Each insurer’s maternity rule
| Company | Plan | Maternity rule | Covers an ongoing pregnancy? | Source |
|---|---|---|---|---|
| SURA | Salud Global and Clásico | The pregnancy must begin after day 60 from enrollment if you are the only insured person (in family or group policies, after enrollment). | No | Clause 1.4 |
| SURA | PAC «Salud Para Todos» | The expected due date must be more than 300 days after enrollment. | No | Clause 1.1.2 |
| Seguros Bolívar | Salud Integral | The pregnancy must begin after the second month of membership (third month if you are the only insured person). | No | Clause 4.2, PH-028 |
| Seguros Bolívar | Salud a su Medida plan L | 12-month maternity waiting period. | No | Clause 4.1 |
| Seguros Bolívar | Salud a su Medida plans S and M | No maternity: they are outpatient plans. | No | Plans S and M policy terms |
| Allianz | Gold Plus and Care 4 | The pregnancy must begin more than 60 days after inclusion. | Yes, with an add-on | Gold Plus terms and technical guide |
| AXA Colpatria | Fesalud and Original | The pregnancy must begin after 90 days of coverage. | Yes, with an add-on | Maternity clause |
| Seguros Mundial | Salud Mundial 360 | The pregnancy must begin 60 days after enrollment (30 days in a family or group policy). | No | Clauses 1.1.3 and 3.6 |
| Seguros Mundial | Mundial Esencial and Silver | No maternity. | No | Policy exclusions |
| MAPFRE | Excelencia, Preferencial and Vital | The pregnancy must begin 30 days after enrollment if there are 2 or more insured people, or from the second year if you are the only insured person. | No | Clauses 5.13 (5.9 in Vital) and 2.1.21 |
Your two options if you are already pregnant
Allianz: ongoing-pregnancy maternity add-on
- Applies between weeks 13 and 36 of pregnancy, for single pregnancies and expectant mothers aged 18 to 38.
- Approximate cost according to Allianz’s technical guide: COP 10,500,000 + VAT (weeks 13 to 24) or COP 14,500,000 + VAT (weeks 24 to 36), paid upfront with an annual-payment policy.
- You must join together with another insured person and provide your obstetric medical record and pregnancy tests.
AXA Colpatria: optional maternity assistance
- Covers check-ups and delivery for the pregnancy you have when you join, for an extra premium.
- It is not automatic: AXA reserves the right to grant it after assessing the risk.
- It excludes newborn neonatal care, which is key when planning expenses.
If you are planning a pregnancy
Join before trying. Once the waiting period is over, pregnancy, delivery and newborn coverage (including congenital conditions) are covered with no add-ons or surcharges. The shortest requirement is 60 days (SURA and Allianz) and the longest, 12 months (Bolívar plan L).
Maternity advice See prices for my age
Frequently asked questions
Can I get health insurance if I am already pregnant?
Yes, you can join, but in most plans that pregnancy and its delivery will not be covered, because the policy terms require the pregnancy to begin after enrollment or set a waiting period. The exceptions are Allianz and AXA Colpatria, which offer maternity add-ons at an extra cost.
How much does Allianz’s ongoing-pregnancy maternity add-on cost?
According to Allianz’s underwriting technical guide, about COP 10,500,000 plus 5% VAT between weeks 13 and 24 of pregnancy, and COP 14,500,000 plus VAT between weeks 24 and 36. It is paid upfront with the annual policy, applies only to single pregnancies and to expectant mothers aged 18 to 38. Since the document may have been updated, confirm it with an advisor before deciding.
Is my baby covered if born while I am insured?
Yes, if the pregnancy was covered by the policy and you add the baby in time: 30 days after birth at SURA, Seguros Bolívar and AXA Colpatria, and 60 days at Allianz. Note: AXA’s maternity add-on for ongoing pregnancies excludes newborn neonatal care.
How far in advance should I join if I am planning a pregnancy?
At least two to three months before trying at SURA, Bolívar Salud Integral or Allianz, and three months at AXA Colpatria. Bolívar plan L requires 12 months, and for the EPS SURA complementary plan the due date must fall more than 300 days after enrollment.
Sources and validity. Age and maternity rules taken from each company’s official policy terms and documents (SURA, Seguros Bolívar, Allianz, AXA Colpatria, MAPFRE and Seguros Mundial), reviewed between August and September 2026; you can see them all in health insurance policy terms. Reference prices: Seguros Bolívar’s official rate list (Salud a su Medida updated on 15 September 2026), 2026 tables from authorized intermediaries of SURA and Allianz, and a 2025 table from an authorized intermediary of AXA Colpatria (AXA does not publish a 2026 rate). MAPFRE and Seguros Mundial do not publish rates. All prices are monthly and before VAT (5%); Bolívar Salud a su Medida rates are published with VAT included and are shown here without it. They are approximate values, not a binding quote: each insurer sets the final rate based on your profile. Last reviewed: 2026-09-25.