Are there any waiting periods on pregnancy cover?

What pregnancy cover options are there?

Thinking of having a baby can be a busy and exciting time for all concerned. All of a sudden you may start thinking of things that are much bigger than just you, or you and your partner. Suddenly your current situation may not seem as important anymore, as your mind can turn to long-term issues such as financial security, housing and the health of you, your partner and your future children. Your thoughts can also soon turn to health care, and the quality of health care for your entire family. Choosing to take out, or upgrade, health cover, if you are thinking of having a baby can be a smart health care move. Most funds offer policies that provide cover or benefits for many pregnancy related treatments and services.

At GMHBA we have been covering pregnancies for more than 80 years, so if you choose us you can have the peace of mind of knowing we understand what you need and want from your health fund before, during and after your pregnancy. We offer both hospital and extras cover, and both can offer you support during your pregnancy. Hospital insurance can cover you for when you are admitted to a private hospital, or a public hospital as a private patient. Extras cover can provides benefits for a range of pregnancy-related treatments. However, like most treatments and services covered by health plans, there are usually waiting periods included in the best pregnancy cover for you and your family.

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.

Choose your own extras provider.*

*With GMHBA, you have the choice to use any extras provider with professional qualifications recognised by GMHBA.

How do hospital waiting periods work?

As mentioned above, GMHBA offers both hospital and extras plans that provide cover for pregnancy related treatments. These plans can be at different levels, but when it comes to finding information about waiting periods included in the best pregnancy cover for you, they usually sing the same song. Pregnancy cover as part of a hospital plan can include treatments like IVF or other assisted reproductive services. But these are only usually covered if you are admitted as an inpatient to receive them. Hospital plans also won’t cover you for IVF consultations and appointments, some of which can be partially covered by Medicare. There are usually waiting periods included in the best pregnancy cover options for IVF and assisted reproductive services, and they are usually 12 months. That means you can’t claim for them until you have been a member of a policy that includes it as a covered treatment for at least a year.

You may also have to pay an excess if you’re admitted to hospital. So, it is important to make sure your policy is upgraded to one that includes pregnancy cover a fair way ahead of when you intend to start trying for a baby, if you think IVF may be something you may need. When it comes to the birth of your baby, or other pregnancy related hospital services, the waiting periods included in the best pregnancy cover for you will be the same – 12 months. So, if you are thinking of having a baby, don’t wait until you are pregnant to take out hospital cover, because it will be too late to claim. Upgrade your cover at least three to four months before you are planning to fall pregnant. This will also help just in case your baby comes early, and they certainly do have a mind of their own when it comes to timing.

It can be important to note here that hospital plans will cover you for admission to hospital and the treatments and services that come with the birth, at a private hospital or as a private patient at a public hospital. This can include hospital charges such as the bed, accommodation, food and services such as lactation consultants. Hospital plans usually won’t cover you for pre-birth consultations and tests and scans. These can be partially claimed by Medicare in most cases.

What about extras treatments?

When looking for information about waiting periods included in the best pregnancy cover for you and your family, it can be important to also look at what extras cover can offer. Extras cover can provide benefits for a number of treatments and services that can be beneficial during and after pregnancy. Top of the list is antenatal and postnatal classes. GMHBA’s extras plans can include benefits for classes to help you prepare for labour and for the birth, as well as help you manage afterwards with things like breastfeeding and settling your newborn.

We can cover these services if they are conducted by registered midwives, physiotherapists or lactation nurses. Waiting periods included in the best pregnancy cover options for these kinds of treatments and services are usually about 2 months. The same waiting period usually applies for a raft of other treatments extras provides benefits for that you might use during pregnancy. Treatments like physiotherapy or remedial massage can be Godsends during pregnancy, as can alternative therapies such as naturopathy, homeopathy and hydrotherapy. Whether you are looking for hospital cover or extras policies, GMHBA would be honoured to be part of your pregnancy journey. To find out more about what we can offer you and your family, view our covers here and look at all our options.