Understanding Pregnancy Cover in Australia

Pregnancy and childbirth services are considered specialised treatments under both OSHC and OVHC policies. For most insurers, these services are not automatically included in the standard cover - you may need to select a plan that specifically includes pregnancy and birth-related care.

Health Insurance for Pregnancy in Australia: Why It’s Essential

Hospital births in Australia - especially without insurance - can be expensive. Depending on whether you deliver in a public or private hospital, costs can range from several thousand to over $10,000. Having OSHC or OVHC pregnancy cover protects you from these high out-of-pocket expenses and ensures that you can choose the hospital and level of care that suits your needs.

Hospital Birth Options with OSHC or OVHC

When you have OSHC pregnancy cover or OVHC pregnancy cover, you can choose between public and private hospitals for the birth of your child. Each option has different benefits, and your choice will depend on your personal preferences, budget, and the type of insurance cover you hold.

Pregnancy Cover for International Students in Australia

If you are studying in Australia, OSHC pregnancy cover is your key to accessing affordable maternity care.

It’s important to:

• Check your current OSHC policy to see if pregnancy is covered
• Upgrade your cover well before planning a pregnancy to meet the 12-month waiting period
• Compare providers to see which ones have better hospital agreements and lower out-of-pocket costs

Pregnancy Insurance for Overseas Visitors in Australia

For temporary residents who are not students, OVHC is the equivalent option. It ensures that you meet visa health insurance requirements while also protecting you from the high costs of maternity care.

Some OVHC plans include:

• Antenatal and postnatal consultations
• In-hospital delivery costs
• Theatre, anaesthesia, and specialist fees
• Newborn care in case of complications

How to Compare Pregnancy Cover in Australia?

When comparing OSHC and OVHC pregnancy cover options, consider these factors:

1. Waiting Periods: Pregnancy cover almost always has a 12-month waiting period. If you want to have a baby in Australia, take out cover well before conceiving.
2. Hospital Agreements: Check if your insurer has agreements with your preferred hospital. This can significantly reduce your out-of-pocket expenses.
3. Inclusions and Exclusions: Some policies may exclude certain services such as home births, elective caesareans without medical need, or private obstetric care in public hospitals.
4. Cost of Premiums: Higher premiums often mean more comprehensive coverage, but always balance your budget with your health needs.
5. Extras Cover: Some plans include extras like physiotherapy, lactation consultations, or postnatal support, which can be valuable after childbirth.

Tips for Choosing the Right Hospital Birth Option

1. Talk to Your Insurer Early: Confirm what your policy covers and which hospitals are in-network.
2. Tour the Hospital: Many hospitals offer maternity ward tours so you can see the facilities before deciding.
3. Consider Your Birth Plan: If you want a specific obstetrician or a water birth, check whether your chosen hospital and insurance cover these preferences.
4. Budget for Out-of-Pocket Costs: Even with comprehensive cover, you may have some expenses like gap fees for specialists.
5. Prepare for Emergencies: Ensure your policy covers complications during pregnancy and care for your newborn if needed.