Adding your baby to your health cover

How to make sure your baby is covered - for your peace of mind.

Did you know that your health cover doesn’t automatically include your baby?

This is important if your baby needs to be admitted to hospital as an inpatient (for example, if they need treatment in a special care nursery or neonatal intensive care unit). If you’re expecting a multiple birth, you’ll also need to make sure each baby is included in your cover. This is because your second or subsequent babies are separately admitted to hospital as inpatients, which means the hospital will charge a separate accommodation fee.


How do I add my baby?

  • If you’re on a single policy, you’ll need to add your baby to your cover within two months of their birth to avoid them having to serve all applicable waiting periods (see below for further information on waiting periods). 
  • This will change your cover scale to single parent family membership where higher premiums will apply.
  • If you are on a couple or family policy, you have a bit longer, but it’s a good idea to call soon after your baby is born so you don’t forget.

Call us on 132 331 to add your baby to your cover.

[1] You’ll need to add your baby within 12 months of their birth to ensure your baby is included in your cover from birth.

What will Medibank pay benefits toward? 

If you have Medibank Hospital cover that includes pregnancy and birth services, and you have served the 12-month waiting period, we’ll pay benefits towards:

  • overnight and same day hospital accommodation in a private hospital (less any applicable excess)
  • intensive care 
  • medical services where a Medicare rebate applies
  • overnight and same-day accommodation in a shared room if you’re a private patient in a public hospital (less any applicable excess)

You’ll need to pay any hospital excess and/or per-day payment (also known as a co-payment) that applies to your level of cover. There may be other expenses that you’ll need to pay, such as TV hire, newspapers, parking or other items such as crutches. The hospital should discuss any charges with you.

Waiting periods

Waiting periods may apply for both Hospital and Extras cover. For pregnancy and birth services and pre-existing conditions, there is a  12 month waiting period from the time that you became insured or changed your cover to include new or upgraded services. This waiting period applies regardless of the baby’s due date or whether you were pregnant at the time of taking out or upgrading your cover to include pregnancy and birth services.

Medibank won’t pay benefits towards any items that you purchase or services you receive while you’re serving a waiting period.

For more information

Please see the Cover Summary or Member Guide for more information. 


Help the way you want it

Contact Medibank when and how it suits you; online 24/7, in store, by phone, or through the My Medibank app.

Need a little extra support?

Health Concierge

Whether it’s taking you a little longer to fall pregnant than you expected, or you know you’ll be needing a bit of extra help, Medibank’s Health Concierge service is there to help. You can call 1800 789 414 for support and guidance, available at no extra cost for members with residential hospital cover#. 

Got a health question? 24/7 Medibank nurse phone service

Members with hospital cover can chat to experienced and qualified nurses over the phone to discuss any health questions or concerns and get professional advice on what to do next. Our nurses are available on 1800 644 325~ for round-the-clock health advice.

Optimal me

Medibank has partnered with Monash University to create OptimalMe, a research program designed to help mums-to-be optimise their health before they conceive. The program features tailored health and wellbeing tips and personal guidance on fitness and nutrition. 

If you’re planning to have a baby in the next 12 months you may be eligible to take part.  Find out more here

Looking for something else?

Visit Medibank Planning, Pregnancy and Parenting for a range of tools and advice to help you at every stage of your pregnancy journey.

Help the way you want it

Contact us 

Call us on 134 190 to speak to a consultant. Alternatively, chat to us 24/7 online.

Self-service options

Login to MyMedibank or Download the MyMedibank App for self service options.

Find a specialist

Find a specialist or Member's choice hospital using our find a provider tool.  

Did you find this information useful?

Things you should know

~ OSHC members should call the Student Health and Support Line on 1800 887 283.

# 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.

While we hope you find this information helpful, please note that it is general in nature. It is not health advice, and is not tailored to meet your individual health needs. You should always consult a trusted health professional before making decisions about your health care. While we have prepared the information carefully, we can’t guarantee that it is accurate, complete or up-to-date. And while we may mention goods or services provided by others, we aren’t specifically endorsing them and can’t accept responsibility for them. For these reasons we are unable to accept responsibility for any loss that may be sustained from acting on this information (subject to applicable consumer guarantees).