Planned caesarean delivery If you’re having a planned caesarean delivery (when you have decided in advance to have a C-section), whether for medical reasons or personal reasons, you’re covered provided we have more than 24 hours in advance of the birth (within your routine maternity care limits). Emergency caesarean delivery We hope that your pregnancy runs smoothly and that you and your baby are healthy throughout. Should you run into complications though, you are covered if you need an emergency caesarean delivery when your obstetrician decides it’s in you or your baby’s bests interests. In these circumstances, we’ll pay for: the cost of the surgeon, the anaesthetists and your theatre fees We’ll also cover reasonable hospital accommodation costs while you recover from surgery – this includes your new baby’s stay with you in the hospital.