Maternity Cover 

Planning a baby? Get maternity cover now so you can relax later.

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.

 

Get an instant quote for Hospital + Maternity cover

 HIF Maternity Benefits

Why choose HIF maternity cover?

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 60 years experience, HIF are experts in covering the birth of babies and the needs of new parents. Here are more reasons why our award winning range of hospital cover options are a smart choice for both new and established families:

  • You can choose your own hospital, obstetrician and other specialists
  • You’ll enjoy private room accommodation for maternity stays
  • You’ll be fully covered for labour ward fees
  • Your partner (or a parent, sibling or friend) can stay with you in hospital as a boarder at no extra cost
  • Your baby will be covered on your family policy for at least 21 years*
  • There’s no limit to the number of legal dependents that can be included on a family policy with HIF
  • HIF members have access to over 1300 private hospitals and day facilities across Australia

Shared room or private room? Insurance that suits your needs.

We offer three great hospital insurance policies that cover maternity services. Find out which one will best suit your needs…     

Why choose GoldSaver?

  • Great for young couples and families who need maternity cover but are less likely to require heart procedures or joint replacement surgery
  • Allows a partner (or other boarder) to stay with the mum-to-be in hospital at no extra cost
  • Includes up to 3 days in a private room for maternity stays
  • Provides shared room cover for all other services, or a private room for a small co-payment 
  • Includes AccessGap cover

Why choose Gold?

  • Includes up to 5 days in a private room for maternity stays
  • Allows a partner (or other boarder) to stay with the mum-to-be in hospital at no extra cost
  • Provides shared room cover for all other services, or a private room for a small co-payment
  • Includes Assisted Reproductive Technology (e.g IVF) 
  • Includes comprehensive cover for other services like cardiac (heart) and joint replacements
  • Includes AccessGap cover
  • Offers a choice of excess options to reduce the premium

Why choose GoldStar?

  • Premium private hospital insurance cover means total peace of mind for your family
  • Includes unlimited private room accommodation for all services, including maternity
  • Allows a partner (or other boarder) to stay with the mum-to-be in hospital at no extra cost
  • Includes Assisted Reproductive Technology (e.g IVF) 
  • IProvides complimentary access to HIF Second Opinion when packaged with Premium Options  Extras cover
  • Includes AccessGap cover
  • Offers a choice of excess options to reduce the premium

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Excess Information: GoldSaver Hospital comes with a standard $200 excess per person per admission (up to a max' of $400 per year).

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Excess Information: Gold Hospital can be taken with nil excess or a choice from $100, $200 or $400 per person per admission (up to a max' of $200, $400 and $800 respectively per year).

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Excess Information: GoldStar can be taken with nil excess or a choice from $200, $400 or $500 per person per admission (up to a max' of $400, $800 and $1,000 respectively per year).

 

      

What else will I be covered for?

As well as maternity services, our GoldSaver, Gold and GoldStar hospital policies also cover you for:

 
  • Same-day accommodation
  • Same-day theatre
  • Theatre care
  • Intensive care
  • Pharmacy drugs (in-patient)
  • Appendectomy
  • Removal of tonsils & adenoids
  • Surgical removal of wisdom teeth
  • Ear, nose & throat
  • Back surgery
  • Prostheses
  • Palliative care 
  • Rehabilitation
  • Joint reconstruction
  • Joint replacement^
  • Psychiatric care & treatment^
  • Eye surgery (non-cosmetic)^
  • View full comparison
 

Maternity cover that’s worth the wait.

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 12 months prior to your  due date - so remember, it’s important to plan ahead and take out private hospital insurance as early as possible. That way, you’ll have already served your hospital waiting periods long before your new bub arrives.

If you choose to switch to HIF from an equivalent (or lower) level of hospital cover with another insurer, you can rest easy in the knowledge that we’ll automatically honour your length of membership with your previous fund. That means that you won’t have to re-serve any hospital waiting periods already served with your old fund, including maternity.

Unsure about switching funds? Relax. Switching to HIF is easy – just one click of the mouse and you’re done! Simply tick the authorisation checkbox on our online application form and we’ll do all the paperwork for you, including contacting your old fund to request the required documentation to confirm your new HIF policy.

Access-what cover?

You may have seen ‘AccessGap Cover’ mentioned in the points above, but what is it exactly? Well, some doctors may charge more than the Medicare Benefits Schedule (MBS) , leaving patients who don’t have gap cover insurance with (sometimes significant) out-of-pocket expenses for the difference between the fee charged and the MBS.

The good news is that AccessGap Cover, HIF’s medical gap cover arrangement, is designed to  minimise or eliminate these out of pocket expenses for medical services whilst an in-patient in a registered overnight hospital or day facility.  Australian doctors can nominate to opt in or out of the AccessGap, which may mean that if you choose an AccessGap Doctor you can have lower out-of-pocket costs.

Useful tip: If you hold private hospital cover, it’s always advisable to ask EACH doctor, obstetrician or specialist if they will treat you under the AccessGap arrangement in order to reduce any potential medical gaps. To search for a list of registered participating specialists, please visit our AccessGap Specialists page.

Want to talk to a real person? 

If you’ve read through this information but would still like to  know more, don’t worry, our team of highly trained product consultants are waiting to take your call. Simply phone us on 1300 13 40 60 and we’ll be happy to talk you through the different options in person. After all, what’s important to you is important to us and we want to ensure you’re happy with your decision. Alternatively, complete the form below and we'll call you at a time that suits.

Please note: The daily pricing (above) is based on a single policy in WA which has the highest available excess applied, includes a 26.791% Australian Government Rebate on Private Health Insurance and is paid by direct debit on an annual basis. Depending on your current household income, the rebate applicable may be reduced. This pricing is correct as of 1 April 2016. Prices may vary for other states and territories.
^ Restricted service on GoldSaver Hospital cover. This means a basic public hospital rate will be paid for accommodation and all other charges raised during the stay, and out-of-pocket expenses will be paid by the member.
* Provided that you have already served any waiting periods and you add your new baby to your HIF policy within two months of their birth, your child will be fully covered from their date of birth and no further waiting periods will apply. To add your new baby to your existing family membership, simply log into our online Member Centre and click 'People Covered on My Policy" (or alternatively, call 1300 13 40 60 and we can do it for you).