More and more women are choosing late maternity. Among the advantages are personal maturity and financial stability. But getting pregnant later in life also carries risks. Find out how older mothers can increase the chances of safe pregnancy.
More than one in four children born in Switzerland today has a mother who is 35 or older. There are many personal reasons for choosing to get pregnant later in life. The most common reasons for late maternity:
Pregnant at 38, pregnant at 39, pregnant at 40? What are the chances of getting pregnant at an older age? Although the likelihood of pregnancy drops as women age, late maternity offers many advantages.
Studies show that many women who consciously opt to get pregnant later in life make healthy lifestyle choices as well. They eat a balanced diet and avoid alcohol and nicotine. Older mothers get plenty of exercise and sleep. At the same time, older mothers are more emotionally stable and mentally prepared for pregnancy and parenting. Moreover, women who get pregnant later in life generally attend checkups early and regularly and take advantage of checkups for high-risk pregnancies (prenatal diagnostic). All these factors increase the odds of a healthy late pregnancy and a birth with few complications.
Swiss medical care for pregnant women is very good – and that includes care for high-risk pregnancies at an older age. Regular check-ups, modern diagnostics and medical specialists help to identify risks early on. Thanks to prenatal tests and personal advice, older mothers are generally well informed. This increases the safety of mother and child and contributes to healthy late maternity – even in the case of high-risk pregnancies.
In Switzerland, expectant mothers are well insured during their pregnancy and maternity. Basic insurance covers the costs for:
You can find a detailed overview of the insured benefits here:
In the event of a high-risk pregnancy, basic insurance covers additional examinations that are medically necessary. This includes additional check-ups and ultrasound examinations as well as the services of a midwife. Your doctor will decide whether you, as a first-time mother aged 35 or older, have a high-risk pregnancy and require additional examinations.
Our supplementary insurance SANA covers 75% of the costs for pregnancy check-ups beyond the benefits covered by basic insurance up to CHF 500 per calendar year. The supplementary insurance COMPLETA covers 90% of these costs up to CHF 500 per calendar year. If you already have COMPLETA, you can extend your insurance cover with COMPLETA PLUS. COMPLETA PLUS covers 90% of the costs for pregnancy check-ups beyond the benefits covered by COMPLETA and basic insurance up to CHF 500 per calendar year.
Note that these supplementary insurance policies do not come into effect for high-risk pregnancy check-ups. For high-risk pregnancies, basic insurance covers the costs based on a clinical assessment by your doctor.
Pregnancy at an older age is possible but carries certain risks; the risk of complications during pregnancy and childbirth increases with age.
At what point do we use the term “high-risk pregnancy”? There is no universal definition of high-risk pregnancy. Doctors assume a pregnancy is high risk when there is an increased likelihood of complications before or after the birth, or when there is an increased risk of the mother or baby becoming ill or dying.
Common reasons for a high-risk pregnancy include the age of the pregnant woman (late maternity), being very overweight or underweight, substance abuse (smoking, alcohol, drugs), health problems such as high blood pressure or diabetes, multiple pregnancy (twins or more), problems from an earlier pregnancy, or infection during the current pregnancy.
But at what age is a pregnancy deemed risky? From the age of 35, a pregnancy is considered a high-risk pregnancy. In these cases, experts refer to advanced maternal age, older mothers or geriatric pregnancy.
This doesn’t mean that pregnant women this age or older will always suffer complications. Some pregnancies at an older age can progress entirely without problems. There is therefore no reason, from a medical point of view, to advise women over 35 not to get pregnant.
There is no way to test for a high-risk pregnancy at present. But the following characteristics may indicate a high-risk pregnancy:
Women’s fertility declines significantly around the age of 35. The same applies to late maternity by means of social freezing. The best chance of a woman having a child after freezing her eggs is when her eggs are retrieved before the age of 34.
The table below shows the likelihood of pregnancy at different ages:
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Age in years
Likelihood of pregnancy at different ages per cycle
Pregnant at 25
Approx. 25%
Pregnant at 30
Approx. 15%
Pregnant at 35
Approx. 12%
Pregnant at 40
Approx. 5–8%
Around 15% of all pregnancies end in miscarriage. This risk increases for later maternity. A woman who is pregnant at 40 has double the risk of miscarriage of a pregnant 20-year-old. The older you are, the greater the risk.
Older women with a high-risk pregnancy are at greater risk of gestational diabetes. Research also indicates that women who have children later in life are more likely to suffer from high blood pressure during their pregnancy than younger women.
The likelihood of the baby being born with a chromosomal abnormality (e.g. Down syndrome) increases with the age of the expectant mother.
For a pregnancy that proceeds with no problems, seven check-ups and two ultrasound examinations are recommended, regardless of the mother’s age. The first check-up includes a look at the patient’s medical history, a clinical and gynaecological examination and an examination for varicose veins, and oedema (swelling in the legs, particularly the ankles). Subsequent examinations include checking for weight, blood pressure, fundal height (a measure of the size of the uterus), urinalysis and listening to the foetal heart. In Switzerland, the costs for these examinations are covered by health insurance companies (basic insurance).
How many ultrasounds and other checkups are recommended for a high-risk pregnancy and how often should older mothers go to the doctor ideally? Health insurance companies cover many additional examinations for high-risk pregnancies. These include more frequent check-ups and ultrasound examinations. The risk of a baby being born with a chromosomal abnormality is significantly higher for women over 40. Prenatal examinations are therefore especially important for older mothers. For ultrasounds or other checkups, talk to your gynaecologist, who will assess which additional examinations are necessary if your pregnancy is considered high risk.
It is absolutely possible for women who have children later in life to have a healthy pregnancy. These tips will help you:
Late maternity brings both opportunities and challenges. Women who consciously decide to get pregnant later in life often benefit from more stability in their life and their financial situation. At the same time, pregnancy at an older age is a risk and requires closer monitoring from medical professionals. Thanks to targeted medical care, healthy late maternity is very much an option today. Get all the information you need early on and make sure you follow a healthy lifestyle and attend all necessary check-ups. Would you like to know more about high-risk pregnancies and health insurance? We are happy to advise you. You can also browse our article on trying to conceive and pregnancy. Here, you will find a wide range of information about trying to conceive, pregnancy and the time both before and after the birth.
Dirk Wallmeier is a gynaecologist and obstetrician specialising in gynaecological endocrinology. He is Chief Medical Officer at the Swiss fertility clinic Cada and provided the editorial team with advice and input for this article.
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