Explore our pregnancy cover options
Our pregnancy cover options are designed to support you throughout your pregnancy journey, whether you decide to go public or private.
The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
The amount you pay before Medibank contributes to your hospital costs.
Waiting periods and annual limits may apply
Hospital & Extras offer - Want 6 weeks free plus up to $500 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras. Use promo code: 6WEEKSPLUS. New members only.€
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Why choose Medibank as a partner in your journey?

24/7 Medibank Nurse Support
Health concerns keeping you up at night? Medibank members with health insurance can chat to a registered nurse over the phone or online, any time of the day or night at no extra cost.~
Health Concierge
Receive personalised health support that can help eligible Hospital members prepare and plan for pregnancy and parenthood, with advice and guidance on preconception health and fertility.
Unlimited Emergency Ambulance
No matter which hospital or extras policy you choose, you'll have the peace of mind that comes from knowing that as a member your cover includes Unlimited Emergency Ambulance Australia-wide.^
How Extras cover can support your pregnancy
Physiotherapy
During pregnancy, you may experience lower back and pelvic pain due to the extra strain you put on your back or your ligaments. Your extras cover can help pay towards physiotherapy consultations and hydrotherapy sessions that could help relieve the pain or assist with other pregnancy-related complications you may experience.<
Healthy gums
Hormonal changes may make you make prone to gum disease. Seeing your dentist regularly can help to catch any problems early before they start causing more serious issues.<
Remedial massage
Remedial massage may help manage back pain and nerve pain, and plays an important role in relieving physical and emotional stress. Your extras cover can help pay benefits towards remedial massage treatments during your pregnancy and beyond.<
Medibank is with you every step of the way, no matter what your journey looks like.
Our Medibank Planning, Pregnancy and Parenting hub can help you make informed choices as you plan for a baby, and get tips and advice before and after your little one arrives.

Things you should know
% Medibank has Members' Choice providers for these services. Not available in all areas.
1 If you do not have Pregnancy and Birth included in your Hospital cover, Medibank does not pay any hospital benefits and you will need to pay for all costs associated with the pregnancy, birth and delivery.
~ Some referred services may involve out of pocket costs and waiting periods may apply.
^ Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states.
< Waiting periods and annual limits apply. Services available on eligible extras products.
# A 12-month waiting period applies to Pregnancy and Birth once you sign up or change your Hospital cover to include this.
* Compared to Non Members' Choice providers. Up to annual limits, waiting periods apply. Excludes some items. Members’ Choice providers are not available in all areas.
€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘6WEEKSPLUS’ and set up direct debit when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Cover (OVC), Overseas Students Health Cover (OSHC), Overseas Workers Health cover, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice. Medibank employees are not eligible for this offer.
6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.
2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras.
Live Better points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date. Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better Points. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better points, and families and couples will receive 50,000 Live Better points.
Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better via the ‘My Medibank’ app to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/