Why choose HIF maternity cover?
There are plenty of reasons why our range of hospital covers are great for families. For example...
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You can choose your own hospital
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You can use choose your own obstetrician
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Your labour ward fees will be fully covered
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Your new baby will be fully covered on your HIF policy from the moment they’re born*
Shared room or private room? The choice is yours.
We offer three great hospital policies that cover maternity services. Find out which one will best suit your needs…
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GoldSaver Hospital
is great for young couples and families who are likely to need things like maternity cover (including up to three days in a private room) but are less likely to require cardio thoracic (heart /chest) procedures or joint replacement surgery.
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Gold Hospital
is our award winning hospital cover option. With Gold hospital, you're fully covered for theatre fees, ward fees and all other services. It’s especially great if you’re planning on having a baby, because the maternity includes up to five days in a private room at no extra cost.
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GoldStar Hospital
is our premium hospital insurance cover, with all the bells and whistles. You’re fully covered for everything, including a private room for all services, theatre fees and all ward fees.
No worries Just total peace of mind for you and your family.
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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).
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Please note: The daily pricing (above) is based on a single policy in WA which has the highest available excess applied, includes a 30% Australian Government Rebate on Private Health Insurance and is paid by direct debit on an annual basis. Depending on your current circumstances, the rebate applicable may be reduced due to the new rebate means testing which was introduced on 1 July 2012. This pricing is correct as of 1 April 2013. Prices may vary for other states and territories.
New rebates for maternity stay boarder chargers.
Great news! We have improved our maternity benefits and now pay rebates toward hospital boarder charges for maternity stays. That means your partner, mother or even best friend can stay in the hospital with you for the duration of your stay in a private room (as per your level of hospital cover). Eligible maternity patients can have a boarder stay with them for up to three days on GoldSaver, five days on Gold and unlimited days on GoldStar. To find out more about these new benefits, please call us on 1300 13 40 60.
What about waiting periods?
We know from experience that being pregnant can often result in swollen ankles (not to mention some rather interesting food cravings), but the bundle of joy that arrives nine months later will definitely make the wait worthwhile. And speaking of waiting, 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 estimated due date - so remember to take out hospital cover as early as possible. That way, you’ll have already served your hospital waiting periods long before your new bub arrives.
Switching from another health fund? You may have already served your waiting periods... When you switch to HIF on an equivalent level of hospital cover, we’ll honour your length of membership with your previous fund. That means that you won’t have to re-serve hospital waiting periods for the level of cover you've already had.
AccessGap Cover explained...
Doctors can charge more than the Medicare Benefits Schedule (MBS) and if they do, their patients without gap cover insurance will incur an out of pocket expense for the difference between the fee charged and the MBS. The good news is that cover is HIF’s medical gap cover arrangement, 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. It is advisable to ask EACH doctor or Specialist if they will treat you under the AccessGap cover if you hold a Comprehensive Hospital product. A list of registered participating specialists is available on our AccessGap Specialists page.
Want to know more? Get in touch and we can run through it together.
If you’ve read through this information but still want to know more, don’t worry - simply phone us on 1300 13 40 60 and we’ll be happy to talk 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.
* Provided that you have already served any waiting periods and you add your new addition to your HIF policy within one month of their birth, your baby 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).