Our Growing Family packages

Thinking about having a baby? With Medibank’s growing family packages you can choose a cover to suit your needs, preferences and budget, whether that's in a public or a private hospital.

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  • Growing Family Essentials
    from
    $ 53 32 * / fortnightly
    $ 115.95 / monthly

    You want to give birth in a public hospital as a public patient, but you value private hospital cover for accidents, knee reconstructions and common procedures like colonoscopies. Use your extras on a range of pregnancy-related services, general dental and physio.

    You want to give birth in a public hospital as a public patient, but you value private hospital cover for accidents, knee reconstructions and common procedures like colonoscopies. Use your extras on a range of pregnancy-related services, general dental and physio.

    Overview

    Basic Hospital

    • Public hospital (as a public patient) for the birth. Stay within your budget by excluding obstetrics cover and IVF.
    • Cover for thousands of in-hospital services for all the family
  • Growing Family Essentials Plus
    from
    $ 62 56 * / fortnightly
    $ 136.10 / monthly

    You want to give birth in a public hospital, with your own obstetrician. You also want private hospital cover for services like tonsils removal, right through to heart problems. Plus extras to help through pregnancy and beyond.

    You want to give birth in a public hospital, with your own obstetrician. You also want private hospital cover for services like tonsils removal, right through to heart problems. Plus extras to help through pregnancy and beyond.

    Overview

    Standard Hospital

    • Public hospital (as a private patient) for the birth, with your choice of obstetrician. Learn more in our article understanding your hospital birth options.
    • Cover for thousands of in-hospital services for all the family
  • Growing Family Comprehensive
    from
    $ 77 92 * / fortnightly
    $ 169.45 / monthly

    You want the private childbirth experience, your choice of obstetrician and a private hospital. You also want comprehensive private hospital cover. Plus extras like dental and physio to help everyone in the family maintain good health.

    You want the private childbirth experience, your choice of obstetrician and a private hospital. You also want comprehensive private hospital cover. Plus extras like dental and physio to help everyone in the family maintain good health.

    Overview

    Top Hospital

    • Private hospital for the birth, with your choice of obstetrician
    • No restricted or excluded services for all the family

* Prices displayed for singles in NSW entitled to a 26.791% Australian Government Rebate. Hospital prices assume nil Lifetime Health 
 Cover loading and $500 excess (unless otherwise stated). Waiting periods may apply including 12 months for pre-existing conditions 
 and some dental services. Minimum payment frequency is fortnightly. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

All of the packages above also include these extras services:

Antenatal and postnatal services including lactation consultants, pregnancy compression garments and clinical pilates with a physio.

Benefits towards an Australian Breastfeeding Association membership.

Choice of 60 or 70% back on extras like dental & physio at Members' Choice providers.^

100% back on extras for kids at Members’ Choice providers.+

Better off with Medibank

Your choice of a public or private experience

Public hospital (as a private patient) for the birth, with your choice of obstetrician. Learn more in our article understanding your hospital birth options.

Wellness for mums and mums-to-be

Mums-to-be deserve all the support they can get! Which is why our extras cover on all of our Growing Family packages includes lactation consultations, birthing classes, remedial massage and even clinical pilates with a physio.

Peace of mind for the family

All currently available Medibank covers include unlimited emergency ambulance, cover for Accidents# and no excess for kids on any family membership.

Pregnancy FAQs
What are the obstetrics-related waiting periods?
If you’re planning on starting or extending your family, it’s important that you’re aware there is a 12 month waiting period for obstetrics-related services that must be served before the baby is born. Remember babies can come early, so it’s important to take this into account when you start planning your family.

If you’re joining Medibank from another Australian health fund at the same level of cover or lower, you don’t need to re-serve waiting periods you’ve already served.~
What will my out-of-pocket expenses be when I have a baby?
Although private health insurance will cover part of your pregnancy, you should be aware that you will still have out-of-pocket expenses to pay. We recommend that you talk to your obstetrician, the hospital and us about what the costs might be.

For more on this topic read our article Understanding the Costs of Having a Baby
I need help choosing where to have my baby
Choosing where to have your baby is a big decision and you’ll need to make a call on the things that are most important to you. Maybe it’s having the full private experience (hospital and obstetrician), or it’s a time when budgets might be tighter.

We’ll take you through your options in our article Understanding Your Hospital Birth Options
Is my baby automatically covered?
No they’re not. To ensure your little one is covered please call us as soon as possible to add them to your cover.

Need a little extra help?

With Medibank by your side, you’ll have access to a wide range of benefits including special offers and information for soon-to-be parents and growing families.

^Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits.

+Up to annual limits. Available on Growing Family and Settled Families covers for child and student dependants. Waiting periods apply including 12 months for some dental services. Members’ Choice providers are not available in some areas – ask us for details.

#Excludes claims covered by third parties such as Workcover. Cover only for Accidents that occur after join date. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

~Provided that you join Medibank within two months of leaving your previous private health insurance fund.