What is the best health insurance for pregnancy?

Helping you out at an important time

Starting a family and having a baby is an amazing time of your life. It is one you will never forget. But it can also be financially challenging. Between the basinet, the cot, the change table, the pram and the car seat, things can get expensive. And that doesn’t take into account all the new clothes and the ongoing costs of things like nappies. From a medical point of view, things can also become expensive during pregnancy. Consider all the medical fees that come with pregnancy and even after giving birth. There can be doctors’ and obstetrician consultation fees, ultrasound scans, and post-natal visits after delivery. That is why finding the best health insurance plan for pregnancy you can, can be important.

In Australia, Medicare provides comprehensive coverage for most costs related to pregnancy. Medicare is Australia's public health care provider. Many women elect to use the public health system throughout their pregnancy and delivery. For most healthy women, pregnancy is quite simple and uncomplicated. Experienced midwives in public hospitals are ready to help you in your pre-natal visits. They also are there to assist during delivery time. All you need to do is book in to the public hospital that is most accessible to you. Having the best health insurance plan for pregnancy you can afford can also help you in that process.

Health cover can work alongside the public system to provide you with choice and flexibility at a time in your life when that is really important. Private insurance coverage allows you to choose your preferred doctors throughout your pregnancy. This is not the case if you decide to be covered by Medicare only for the duration of your pregnancy. In the public health system, each of your visits to the public hospital can be with a different health professional. Having the best health insurance plan for pregnancy can become more beneficial in the case of additional or unexpected medical expenses. At the end of the day, having health cover can give you peace of mind to know that whatever happens, you, your baby and for family will have access to care that can help.

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90
per week
Select

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90
per week
Select

* The price shown is per week and applies to a Single living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

No 2 & 6 month waits on extras when joining on combined cover.*

* For new members on direct debit. 12 month waiting periods, annual and sub limits apply. Offer ends 31 October 2017

How do I know what is the best health insurance plan for pregnancy?

What factors should you consider before committing to a particular health care policy? The first thing to remember is that you should choose your best health insurance plan for pregnancy before you fall pregnant. This is because most health funds have a 12-month waiting period before you can claim benefits from pregnancy coverage. Waiting periods are important. They protect members of an insurance fund by making sure that individuals are not making large claims shortly after joining and then immediately cancelling their memberships. Twelve months is the maximum waiting period set for obstetrics care. Private health insurance funds are quite strict about this rule.

You must therefore plan well in advance. It is important to also make sure you are eligible to claim the full benefits of your private health care needs once you need them for your pregnancy. In choosing your best health insurance plan for pregnancy also check with their agreements with your hospital of choice. This is because some health care covers pay only restricted benefits. This is true particularly with less expensive policies. Some only provide coverage for you as a private patient in a public but not in a private hospital.

Finally, you need to understand the rules of your policy in case you need to make changes in your coverage after the birth of your baby. Establish whether it would be easier and more beneficial if you had family or joint couples coverage instead of individual coverage. Depending on the rules of your insurance policy, you might need to include your baby to your cover even before they are born.

Some health funds also include extra benefits as part of their coverage, which can cover the costs of any inpatient services or in the first few weeks of a baby’s life. Always check the fine print to be sure. Doing adequate research can help ease the stress when you want to focus on this amazing time of your life.

What about extras cover?

Hospital cover is not the only part of finding the best health insurance plan for pregnancy. Extras cover can also be a big help during pregnancy. Extras cover provides benefits for services and treatments outside of hospital, such as physio, dental and chiro. Most funds can offer combined hospital and extras care, called packages, for families planning a baby. You can mix and match and choose different levels of hospital or extras cover if you wish, or choose one of our Family Packages, which are designed with different family budgets in mind. Extras cover as part of your best health insurance plan for pregnancy can include benefits for treatments like naturopathy, homeopathy and acupuncture, as well as things like diabetes and dietician education. Some funds even cover swimming lessons, if your doctor recommends them. 

Postnatal and antenatal classes can also be covered, as can postnatal services such as breastfeeding or sleep settling consultations. Having benefits provided for these kinds of services can be Godsends.

Having the best health insurance plan for pregnancy can also be about peace of mind. No one wants to think the worst when it comes to pregnancy, but some private hospitals can offer specialist nursery care. Working out beforehand if the private hospital of your choice – one that works with your health fund – has these facilities can be important. It is important to also double check with your health fund beforehand whether you are covered for this kind of service. Very ill babies can end up in a Neonatal Intensive Care Clinic in a public hospital, which is covered by Medicare.