Usually you can ask your school for a semester off for medical leave. Would avoid pregnancy if possible while you are a student. Babies tend not to arrive on the first week of the semester so it can really complicate things because some courses are only offered certain times of the year. As OP has already found out she didn’t qualify for insurance coverage. You also won’t qualify for maternity payment or child benefit. On top of that newborns are exhausting so having to study full-time and need to pay for childcare during school can be both physically and financially stressful. If you are doing something like a PhD that tends to be more flexible.