Growing families

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.*

Mother with baby

*Prices below are based on

This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.

We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance.

Medibank Bronze Plus Growing Family


Youth Discount applied

Youth Discount not available

Family hospital cover for life's more common treatments, but you don't want pregnancy and birth or assisted reproductive services. You'll still enjoy some support during your pregnancy through your Extras cover.

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Medibank Bronze Plus Progress Hospital

  • Public hospital (as a public patient) for the birth. Stay within your budget by excluding pregnancy and birth and assisted reproductive services
  • Cover for thousands of in-hospital services for all the family

Medibank Silver Plus Support and Growing Family Extras


Youth Discount applied

Youth Discount not available

Combine Extras cover that supports your growing family with Hospital cover that pays a benefit towards a wide range of services such as heart & vascular, rehabilitation and more.

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Medibank Silver Plus Support Hospital
  • Public hospital (as a public patient) for the birth with more services to support your family, such as heart and vascular
  • Cover for thousands of in-hospital services for all the family

Medibank Gold Protect and Growing Family Extras


Youth Discount applied

Youth Discount not available

Combine Extras cover that supports your growing family with our top-level Hospital cover that includes pregnancy and birth related services, weight loss surgery and more.

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Medibank Gold Protect Hospital

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

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.

All of the packages above also include these extras services:

  • Antenatal and postnatal services including lactation consultations and pregnancy compression garments.
  • 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.##
Mother with child

Better off with Medibank

Better Health Support

Medibank's Hospital Assist makes going to hospital a little less stressful for members, with personalised phone support before and after your stay«, digital info packs, a qualified nurse on call¥¥, and hospital info and patient reviews, all at no extra cost.

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 physiotherapy.

Peace of mind for the family

All currently available Medibank covers include unlimited emergency ambulance^, Accident cover boost+ and no excess for kids on any family membership.Ω

Pregnancy FAQs

Medibank Planning, Pregnancy and Parenting

Becoming a parent is one of life’s biggest adventures: there’s so much to think about, do, and feel. We’re here for you, every baby step of the way.

Baby smiling
My Choice Extras

Want greater flexibility & choice with your cover?

Then how about building your own extras cover with Medibank's new My Choice Extras?

* Waiting periods may apply for any new or upgraded services or benefits.

^ Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

¥¥ OSHC members should call the Student Health & Support Line on 1800 887 283.

Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary. For Gold hospital covers, Accidental Injury Benefit is not required because all clinical categories are Included, regardless of whether or not the treatment is required as a result of an Accident.

You'll receive a fixed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Members’ Choice providers are not available in some areas – ask us for details.

## Waiting periods apply, including 12 months for some dental services. Applies to Child and Student Dependants only, up to annual limits. Members' Choice providers not available in all areas or for all services.

Ω Other out–of–pocket expenses may apply.

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

« Health Concierge is available to all eligible Medibank members who hold Hospital cover. Excludes Overseas Visitor Health Cover, Working Visa Health Cover and Overseas Student Health Cover (OSHC). Some referred services may involve out of pocket costs.