Whether it’s your first or your fifth child, a new addition to the family is always a magical time. So when it comes to maternity insurance, our affordable hospital cover options will give you peace of mind when you need it most.
Private hospital cover allows you to plan for the journey ahead, such as choosing to have natural birth, or booking in an elective caesarean (which isn't always an option in the public system); And with over 65 years experience, HIF are experts in covering the birth of babies and the needs of new parents. Here are more reasons why our Gold Top hospital cover option is a great choice for both new and established families:
- Choose your hospital, obstetrician and other specialists
- Includes AccessGap cover to help minimise out-of-pocket expenses
- Choice of hospital excess to reduce your premium
- Includes private room accomodation in an HIF-contracted hospital during your stay.
- Your partner may be able to stay with you in hospital at no extra cost
- Your child can remain on your policy until they turn 21 (or up to 25 if they're studying full time)
- Also covers Assisted Reproductive Technology like IVF in case you need help falling pregnant
- Provides exclusive access to HIF Second Opinion which provides a second opinion on any diagnosis, condition or treatment
It’s important to note that if you’re taking out maternity cover for the first time, the waiting period for all obstetric related services is 12 months. That means you’ll need to have held maternity cover for at least 12 months prior to your due date - so remember to plan ahead and take out private hospital insurance as soon as you can. That way, you’ll have already served your hospital waiting periods long before your new bub arrives.
To find out more and compare some cover options, please visit our Maternity Cover page.
Useful tip: It’s important to understand that you may incur some additional out-of-pocket fees (also known as a Medical Gap) depending on your chosen Obstetrician, as they’ll have their own set of fees for each medical item number and they can charge whatever they wish for their services. If you have chosen an Obstetrician who has opted in for HIF’s AccessGap scheme then you will have a minimal gap (if any), but providers can charge on a case-by-case basis, so we always recommend that our members request a list of fees in advance and then complete our Medical Benefit Estimate Form so that we can advise you of HIF’s contribution upfront . To find your nearest AccessGap provider, check out our online provider search tool.