Planning for Parenthood

If you're planning on having children or adding to your family, our range of hospital covers make it easy to look after your family’s health and give you total peace of mind, knowing that you are protected for the future.

Prefer to speak with someone? Let one of our friendly consultants call you at a time that's convenient.

Otherwise you can call GMHBA on 1300 304 236 (8.00am - 6.00pm Mon-Fri AEST).

Everyday Family Package

A high level health cover with a pregnancy option. Get 65% back on a range of extras including dental, optical and chiro.
$ 85.35
per week
Select

Premium Family Package

Our most comprehensive health cover package. Includes pregnancy option, single room guarantee and 75% back on a wide range of extras with generous annual limits.
$ 103.70
per week
Select

Gold Hospital & Silver Extras Set Benefits

Our most comprehensive hospital cover. Cover for a range of popular services that suit your lifestyle.
$ 86.40
per week
Select

Everyday Family Package

A high level health cover with a pregnancy option. Get 65% back on a range of extras including dental, optical and chiro.
$ 85.35
per week
Select

Premium Family Package

Our most comprehensive health cover package. Includes pregnancy option, single room guarantee and 75% back on a wide range of extras with generous annual limits.
$ 103.70
per week
Select

Gold Hospital & Silver Extras Set Benefits

Our most comprehensive hospital cover. Cover for a range of popular services that suit your lifestyle.
$ 86.40
per week
Select

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

Join GMHBA on Combined cover for your chance to be at the 2017 Toyota AFL Grand Final*

* For new health insurance members on direct debit. Must pay first month to be eligible. Prize does not include flights or transfers. Promotional period 4 August 2017 - 24 September 2017. Valued at $1000. View Full Terms and Conditions

NSW Permit No. LTPS/17/16360

AFL Authorised GF Promotion: GFAFL 17/94

Pregnancy Image
Pregnancy Image
Pregnancy

Pregnancy and health insurance

GMHBA have been covering the birth of babies for over 80 years and we understand what you need from your health insurance, both before and after the birth of your baby.

We know how much there is to organise and prepare for, and we’re committed to helping you and your partner understand and get the most out of your health insurance so that you can enjoy peace of mind in knowing that your family is protected.

Planning for pregnancy

Pregnancy cover waiting period

To ensure all private health insurance members contribute fairly to a fund, waiting periods exist prior to you being able to make a claim.

GMHBA’s waiting period for pregnancy and birth related services is 12 months. This means that if you are preparing to start or extend your family and want to have your baby in a private hospital, you need to be covered by hospital cover that includes pregnancy at least 12 months before your baby is born. This means that as long as you upgrade your cover at least 3-4 months prior to falling pregnant, you will have served your waiting periods before your baby is born.

Singles cover or couples/family cover

When a baby is born in most cases they won’t usually require a hospital admission. In some instances where there may be complications and your baby requires special care, you will not be covered for accommodation or medical services unless your baby has served the waiting periods.

Therefore, if you are currently on a single or couple membership, you will need to change to a family membership.

If you already have couples or family cover, you won’t need to pay anything additional to add your newborn to your policy. GMHBA will switch your couples cover to family cover shortly after we are notified that your baby has been born.

IVF and assisted reproductive services

In vitro Fertilisations (IVF) is covered under some of GMHBA's hospital covers. Like all hospital cover, it will only cover you for services provided whilst admitted as an inpatient in hospital. This would usually mean the actual day stay procedures for embryo collection and embryo transfer. Often the IVF process involves a number of consultations, tests, and services received outside of hospital. Many of these costs are covered by Medicare, however if considering IVF, you should discuss the potential costs with your IVF provider.

Other benefits of having health insurance

Your health is so important for your baby before, during and after pregnancy. Combined hospital and extras cover with GMHBA provides you with a range of health and wellbeing . Extras cover helps cover the cost of specialist health providers that you may need during your pregnancy such as

  • Physiotherapy
  • Remedial Massage
  • Tens Machines
  • Acupuncture
  • Natural Therapies
  • Antenatal and postnatal services when visiting registered midwives, physiotherapists and lactation nurses
  • Health and wellbeing programs

GMHBA regularly runs other services for members that may be useful to you, such as fitness sessions and information seminars such as our annual Baby Sleep and Settling seminar. We often livestream seminars over the web if you can’t get to the actual event. Keep an eye on the GMHBA website, your inbox or contact us for more information about these services.

Best Doctors

All GMHBA hospital covers include access to the Best Doctors program, which was established in 1989 by doctors from Harvard University‘s School of Medicine. Best Doctors is a unique network of leading Medical Specialists from around the world covering 40 different specialities and over 400 sub specialties. You may not need Best Doctors during your pregnancy, but it is good to know that it’s available to you at no cost if you do.

GMHBA Connect Rewards Plus program

Choosing to have combined hospital and extras cover allows you to enjoy the benefits of GMHBA’s member loyalty program, Connect Rewards Plus. This program allows members to accumulate Connect Rewards dollars year on year. The amount of dollars you receive depends on how long you have been a GMHBA member and your level of hospital cover. So, the longer you have been with us the more rewards dollars you will receive. You can use your Connect Rewards Plus dollars to reduce out of pocket expenses you may encounter for any bills you receive as a part of your inpatient medical stay.

During pregnancy

Your obstetrician

Your GP will refer you to a local obstetrician as soon as they confirm that you’re pregnant. You can select your own obstetrician if you prefer, but a referral is still required from your GP. We recommend that you discuss with your GP if you have a hospital preference to ensure that the obstetrician you are referred to practices there.

Your obstetrician will be with you throughout your pregnancy and in most cases will deliver your baby. You’ll have regular appointments during your pregnancy with your obstetrician or midwife).

The fees charged by your obstetrician for consultations in their rooms are outpatient services which are not covered by hospital or extras cover. Medicare partially covers the cost of these consultations. Your hospital cover provides coverage for inpatient services that your obstetrician or their staff perform, provided that your cover includes pregnancy and you’ve served your waiting periods.

Other pre-birth consultations and appointments

You may encounter other consultation and appointment fees before the birth of your child, such as GP visits, ultrasounds, blood tests and so on. These are not covered by hospital or extras cover, however, may be partially covered by Medicare.

Your obstetrician may recommend you tour the maternity ward of your chosen private hospital before the birth to help you become familiar with where you’ll be having your baby. Hospitals do not usually charge for this tour.

Antenatal and postnatal classes

Traditional Antenatal Classes

GMHBA Gold Extras cover provides you with the ability to claim benefits for sessions and courses provided by registered midwives or physiotherapists in a private practice, such as Preparing for labour and birth (antenatal) and Sleep Settling or Breastfeeding consultations or classes (postnatal). To qualify for cover, the classes must be billed separately from a hospital account and benefits are not payable for courses or sessions that are paid for by Medicare Australia. This benefit has a 2 month waiting period and the annual limit is $350 per person.

Healthy Start Benefit

Members on GMHBA Gold Hospital and Gold Hospital with Gap Saver cover are eligible for an additional benefit up to $500 to cover the cost of any obstetrician’s inpatient fees. If you have a hospital admission which results in an out of pocket expense for the birth of your child, we’ll send you a payment up to $500 within 60-90 days of your hospital discharge, providing we can see this out of pocket expense on the invoice. You must serve your pregnancy waiting period to qualify for this benefit.

Singles cover or couples/family cover

If all goes well, a newborn baby is not admitted as a patient in hospital, but if you have complications and your baby requires any accommodation or medical attention, your newborn baby will be covered for accommodation or medical services provided they are added to the policy. If you are currently on a single policy and you want your newborn to be covered from birth (GMHBA recommends this), you’ll need to change to couple or a family membership at least two months before your baby is born. GMHBA recommends that you change to family membership three months before your baby is due in case your baby arrives prematurely.

If you already have couples or family cover, you won’t need to pay anything additional to add your newborn to your policy. GMHBA will switch your couples cover to family cover shortly after we are notified that your baby has been born.

Other benefits of having health insurance

Your health is so important for your baby before, during and after pregnancy. Combined hospital and extras cover with GMHBA provides you with a range of health and wellbeing . Extras cover helps cover the cost of specialist health providers that you may need during your pregnancy such as

  • Physiotherapy
  • Remedial Massage
  • Tens Machines
  • Acupuncture
  • Natural Therapies
  • Antenatal and postnatal services when visiting registered midwives, physiotherapists and lactation nurses
  • Health and wellbeing programs

GMHBA regularly runs other services for members that may be useful to you, such as fitness sessions and information seminars such as our annual Baby Sleep and Settling seminar. We often livestream seminars over the web if you can’t get to the actual event. Keep an eye on the GMHBA website, your inbox or contact us for more information about these services.

GMHBA Connect Rewards Plus program

Choosing to have combined hospital and extras cover allows you to enjoy the benefits of GMHBA’s member loyalty program, Connect Rewards Plus. This program allows members to accumulate Connect Rewards dollars year on year. The amount of dollars you receive depends on how long you have been a GMHBA member and your level of hospital cover. So, the longer you have been with us the more rewards dollars you will receive. You can use your Connect Rewards Plus dollars to reduce out of pocket expenses you may encounter for any bills you receive as a part of your inpatient medical stay.

The birth of your child

Childbirth costs covered

Costs associated with a birth in a private hospital can be confusing. GMHBA Gold Hospital cover (with pregnancy) and the Fit Ultra package cover provide:

  • Coverage benefit for fees charged by the hospital, such as your bed, food, delivery suite fees and assistance provided in hospital such as lactation services (less any applicable excess that you’re required to pay).
  • Gap cover for fees charged by any medical specialists, up to 120% of the Medicare Benefits Schedule fee. Any fees over 120% of the MBS fee will be an out of pocket cost payable by you. Medical fees and charges include anaesthetist fees and your obstetrician’s fees.
  • If all goes well with the birth, a newborn baby is not admitted as a patient in hospital. If you have complications and your baby is admitted to a special care nursery or requires medical attention, their care will be covered on your hospital cover provided you are on a family membership.

Antenatal and postnatal classes

GMHBA Gold extras cover provides you with the ability to claim benefits for sessions and courses provided by registered midwives or physiotherapists in a private practice, such as preparing for labour and birth (antenatal) and sleep settling or breastfeeding consultations or classes (postnatal). To qualify for cover, the classes must be billed separately from a hospital account and benefits are not payable for courses or sessions that are paid for by Medicare Australia. This benefit has a 2 month waiting period and the annual limit is $350 per person.

Healthy Start Benefit

Members on GMHBA Gold Hospital and Gold Hospital with Gap Saver cover are eligible for an additional benefit up to $500 to cover the cost of any obstetrician’s inpatient fees. If you have a hospital admission which results in an out of pocket expense for the birth of your child, we’ll send you a payment up to $500 within 60-90 days of your hospital discharge, providing we can see this out of pocket expense on the invoice. You must serve your pregnancy waiting period to qualify for this benefit.

New Family program

The New Family program is a specialised program to assist parents in the first few months when your first baby is welcomed into a family. It is available to members with hospital cover that includes pregnancy.

Other benefits of having health insurance

Your health is so important for your baby before, during and after pregnancy. Combined hospital and extras cover with GMHBA provides you with a range of health and wellbeing . Extras cover helps cover the cost of specialist health providers that you may need during your pregnancy such as

  • Physiotherapy
  • Remedial Massage
  • Tens Machines
  • Acupuncture
  • Natural Therapies
  • Antenatal and postnatal services when visiting registered midwives, physiotherapists and lactation nurses
  • Health and wellbeing programs

GMHBA regularly runs other services for members that may be useful to you, such as fitness sessions and information seminars such as our annual Baby Sleep and Settling seminar. We often livestream seminars over the web if you can’t get to the actual event. Keep an eye on the GMHBA website, your inbox or contact us for more information about these services.

GMHBA Connect Rewards Plus program

Choosing to have combined hospital and extras cover allows you to enjoy the benefits of GMHBA’s member loyalty program, Connect Rewards Plus. This program allows members to accumulate Connect Rewards dollars year on year. The amount of dollars you receive depends on how long you have been a GMHBA member and your level of hospital cover. So, the longer you have been with us the more rewards dollars you will receive. You can use your Connect Rewards Plus dollars to reduce out of pocket expenses you may encounter for any bills you receive as a part of your inpatient medical stay.