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When it comes to choosing a 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, if you want to choose your obstetrician, and whether you want access to pregnancy and early childhood 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.
Medibank Gold Growing Family Complete
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. For the Extras component of this package, choose from 60% back or 70% back on extras at Members' Choice providers, which includes services like dental, optical and physio2, plus others to support you during pregnancy and birth, like benefits towards antenatal classes and Australian Breastfeeding Association membership. You also get 100% back for kids on Extras at Members’ Choice providers.3
Medibank Silver Plus Growing Family
We recommend this package if you want to give birth in a public hospital as a public patient, 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. For the Extras component of this package, choose from 60% back or 70% back on extras at Members' Choice providers, which includes services like dental, optical and physio,2 plus others to support you during pregnancy and birth, like benefits towards antenatal classes and Australian Breastfeeding Association membership. You also get 100% back for kids on Extras at Members’ Choice providers.3
Medibank Bronze Plus Growing Family
We recommend this package if you want a public hospital birth and don’t require obstetrics and IVF services, but you value private Hospital cover for life’s twists and turns such as knee reconstructions and colonoscopies. For the Extras component of this package, choose from 60% back or 70% back on extras at Members' Choice providers, which includes services like dental, optical and physio2, plus others to support you during pregnancy and birth, like benefits towards antenatal classes and Australian Breastfeeding Association membership. You also get 100% 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 thousands of 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.