Germany faces gaps in maternity coverage for self‑employed women and new mothers

In Germany, the statutory health insurance (GKV) does not fully cover many services that pregnant women and new mothers consider essential, such as osteopathy, post‑natal courses, and additional preventive examinations. The Württembergische insurer promotes a "Vitalbudget" that lets families allocate €600 or €1,200 annually toward these uncovered treatments, including alternative therapies, dental care, and vision aids.

Self‑employed women are excluded from the country's maternity protection law, receiving no maternity pay or job‑security benefits. A coalition agreement promised reforms, but implementation has stalled, leaving many female freelancers to bear the full financial burden of pregnancy. Over 80 % report significant economic setbacks, with 14 % considering leaving self‑employment and one‑third reluctant to have more children. Experts advise early private insurance arrangements and business continuity planning to mitigate risks.

Both issues highlight systemic gaps in Germany's support for mothers, especially those working independently, and underscore the need for broader policy solutions and private‑sector options to ensure health and financial security during pregnancy and early parenthood.