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Private health insurance for pregnancy

With your choice of obstetrician and a private room, you can enjoy peace of mind when it matters most.

Special Offer:

Get one month free* and no 2 & 6 month waits on extras when you join GMHBA on combined cover by June 30. 

*For new members joining on combined hospital and extras cover, paying by direct debit. Must pay first month premium to receive discount. Must not have been a member within last 12 months. 12 month waits, annual and sub-limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via GMHBA website, phone and branch or GMHBA corporate program. Not available in conjunction with any other offer. Offer ends 30 June 2022.

Pricing covers Single, aged 30 living in VIC earning $90,000 or less, base tier government rebate. Excludes . Prices and displayed products can change if details vary.

Browse and compare some of our singles products


Cover for pregnancy FAQs

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.

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 you have served all relevant waiting periods.

Contact us following the birth of your child to have them added to your cover.

In vitro Fertilisations (IVF and assisted reproductive services) 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 and assisted reproductive services 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 and assisted reproductive services, you should discuss the potential costs with your IVF and assisted reproductive services provider.

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 but are partially covered by Medicare. 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.

Traditional Antenatal Classes
GMHBA Top Extras 75% and Top Extras Set Benefits provide 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.

Members on selected GMHBA hospital and package covers 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.

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 services. 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
• 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 regular health and wellness seminars. 

Should I get health insurance for pregnancy

Whether it’s your first child or just the newest addition, having a baby is an incredible experience and one you want to prepare for in the best way possible.

Our pregnancy cover gives you added choice for the things that matter to you, including choice of a private room and an overnight stay for your partner.

New Family program

Safe Sleep Space and Nourish Baby are early parenting groups specialising in sleep and settling of infants and toddlers.

They offer support and knowledge for a better understanding of your baby’s needs, cues and capabilities, and give you workable strategies for creating a ‘safe sleep space’.

Need some help?

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