Maternity cover to suit your needs (and budget).

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 services, our affordable hospital covers will give you the peace of mind you deserve.

Why choose HIF maternity cover? 

There are plenty of reasons why our range of hospital covers are great for families. 
For example...

• You can choose your own hospital
• You can use choose your own obstetrician
• Your labour ward fees will be fully covered
• Your new baby will be fully covered on your HIF policy from the moment they’re born*

But don't just take our word for it. In the June 2011 edition of The Australian Financial Review's “Smart Investor” magazine, our Gold Hospital Nil Excess product was awarded "Best Hospital Plan for Growing Families" in NSW and ACT. 

Shared room or private room? The choice is yours.

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

GoldSaver Hospital is great for young couples and families who want maternity cover, but don’t need cover for cardio-thoracic procedures or joint replacement surgery. By taking out GoldSaver, you’ll be fully covered for a shared room including for inpatient maternity theatre and all ward fees. Excess Information: GoldSaver Hospital comes with a standard $200 excess per person per admission (up to a maximum of $400 per year).	Gold Hospital is our award winning shared-room plan which fully covers all theatre and ward fees. And if you’re having a baby, it’s particularly brilliant because our maternity cover includes a private room for up to five days at no extra cost (that’s two days more than some other health funds). 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 maximum of $200, $400 and $800 respectively per year).	GoldStar Hospital is our top hospital cover, with all the bells and whistles. You’re covered for the maximum number of services including a private room for the full duration of your stay in hospital. No exclusions and no private room co-payments. Just total peace of mind for you and your family. Excess Information: GoldStar can be taken with nil excess or a choice from $200, $400 or $500 per person per admission (up to a maximum of $400, $800 and $1,000 respectively per year).

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. 

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.