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Choosing health insurance for pregnancy

Private health insurance policy options for you and your growing family.

When it comes to choosing private health insurance for you and your growing family, we know you will need cover that meets your changing needs. Whether you want to give birth in a private or public hospital, choose your obstetrician, and have access to pregnancy services will all affect the type of policy that is right for you. 

We have designed a range of cover options to help assist you with different stages of your family’s journey.

Choose from these health cover options designed especially for growing families.

 

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Medibank Gold Growing Family 

Medibank Gold Growing Family is comprehensive Hospital and Extras cover that gives you a private childbirth experience, providing welcome support to your family's pregnancy journey from planning, to giving birth and beyond.

We recommend this package if you want the private childbirth experience, your choice of obstetrician and a private hospital.1 You also want to make sure your family has comprehensive private Hospital cover, and may also want assisted reproductive services. In this package you can choose from 60 per cent back or 70 per cent back on extras at Members' Choice providers, which includes services like physio2 and others to support you during pregnancy and birth, like benefits towards antenatal classes, Australian Breastfeeding Association membership, lactation consultations, tens machines, and pregnancy compression garments. You also get 100 per cent back on dental check ups at Members choice advantage, and 100 per cent back on optical at recognised providers. You also get 100 per cent back for kids on Extras at Members’ Choice providers.3

Medibank Silver Plus Growing Family

Medibank Silver Plus Growing Family is a hospital and extras cover that provides a broader range of hospital services, like heart and vascular admissions and Extras cover that supports your pregnancy journey.

We recommend this package if you want to give birth in a public hospital as a public patient and don't need assisted reproductive services, but you value having Hospital cover for a range of services such as removal of tonsils right through to serious health issues like heart problems. In this package you can choose from 60 per cent back or 70 per cent back on extras at Members' Choice providers, which includes services like physio2 and others to support you during pregnancy and birth, like benefits towards antenatal classes, Australian Breastfeeding Association membership, lactation consultations, tens machines, and pregnancy compression garments. You also get 100 per cent back on dental check ups at Members choice advantage, and 100 per cent back on optical at recognised providers. You also get 100 per cent back for kids on Extras at Members’ Choice providers.3

Medibank Bronze Plus Growing Family

Medibank Bronze Plus Growing Family is for when you want 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.

We recommend this package if you want a public hospital birth and don’t require pregnancy and birth or IVF services, but you value private Hospital cover for life’s twists and turns such as knee reconstructions and colonoscopies. In this package you can choose from 60 per cent back or 70 per cent back on extras at Members' Choice providers, which includes services like physio2 and others to support you during pregnancy and birth, like benefits towards antenatal classes, Australian Breastfeeding Association membership, lactation consultations, tens machines, and pregnancy compression garments. You also get 100 per cent back on dental check ups at Members choice advantage, and 100 per cent back on optical at recognised providers. You also get 100 per cent back for kids on Extras at Members’ Choice providers.3

1.    a 12-month waiting period applies to Pregnancy and birth services.
2.    up to annual limits. Waiting periods apply, including 12 months for some dental services. Optical excludes some lens coatings.
3.    up to annual limits, waiting periods apply, including 12 months for some dental services. Available for dependants either under 21 or under 25 full time students.

Hospital Benefits

Medibank’s Growing Family packages provide benefits towards many in-hospital services. We’ve highlighted some of the ones most relevant to growing families in the tables below (check the Cover Summary for details of these and other services).*

*Medibank pays benefits towards hospital admissions for these services if Included under the cover and subject to waiting periods (see Member Guide and Cover Summary for full details). Please note that out-of-pocket costs may still apply. Speak to us, as well as your doctors and hospital, to confirm any out-of-pocket expenses you may incur.

Extras benefits

The Growing Family packages contain a range of extras services to support you during pregnancy, birth and beyond. For information on benefit limits and prices, click ‘Get a Quote’.

All services listed below are subject to annual and other limits – please check your Cover Summary in My Medibank for details.

Waiting periods explained

Waiting periods are the length of time each member needs to wait after taking out or changing their cover, before they can receive benefits for services Included under their policy.

Waiting periods apply to new members, as well as to current members making any changes to their existing cover to include new or upgraded services or treatments. If you’re switching health funds, as long as you join within 2 months of leaving your previous fund we’ll recognise waiting periods you’ve already served, so you’ll only need to serve any balance with us before you can receive benefits.

If you’re planning on starting or extending your family, you will need to serve a 12-month waiting period with Pregnancy and Birth services on hospital cover 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. For example, if a mother-to-be has held cover without Pregnancy and Birth and wants to upgrade her cover to include this category, she’ll need to serve the full 12-month waiting period before she can claim. Similarly, if the mother-to-be joins her partner’s policy that Includes Pregnancy and Birth, her 12-month waiting period will still need to be served before she can claim benefits towards Pregnancy and Birth services.

Once you have a baby, make sure you add them to your cover as soon as possible^ to ensure they don’t have to serve additional waiting periods in case they require hospital treatment. This is particularly important for multiple births, as your second or subsequent babies will always be separately admitted to hospital as inpatients.

Beside Pregnancy and birth services, most hospital treatments have a two-month waiting period, unless we determine the condition is pre-existing. Treatment of a Pre-existing condition has a 12-month waiting period.

^If you’re on a single policy, you’ll need to add your baby to your cover within 2 months of their birth to avoid them having to serve all applicable waiting periods. If you are on a couple or family policy, you’ll need to add your baby to your cover within 12 months of their birth.

Pre-existing condition (PEC)

A Pre-existing condition is an ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms of which existed at any time in the 6-month period prior to the day on which you became insured under the policy or changed your cover. 

For more information check the Member Guide.

Learn more about hospital excess

An excess is the amount you pay towards your hospital admission (same-day or overnight) before we pay any benefits. Some hospitals may require you to pay this amount at the time of admission. No hospital excess applies to children on the Growing Family packages.

 


Need a little extra support?

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

Health Concierge

Eligible members with hospital cover can now talk to a member of our Health Concierge team for advice on fertility and guidance on how to have a healthy pregnancy, at no extra cost on 1800 789 414. #

Looking for something else?

Visit our Pregnancy homepage for a range of tools and advice to help you at every stage of your pregnancy journey.


Help the way you want it

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Contact us 

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

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Self-service options

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

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Find a specialist

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

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). 

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