Which HIF policies cover pregnancy related services?
We have two multi-award winning Hospital Cover options to choose from.
Member feedback: "Hi, I just wanted to leave you some feedback about our experience with HIF. Having been with Medibank for many years and then with Bupa, we decided to look around for adding pregnancy cover some 12 months ago and came across HIF. We couldn't be happier with the fund, especially when my wife had an unexpectedly complicated pregnancy, HIF were excellent at ensuring all the costs were covered for multiple hospital stays even though she was within the pregnancy waiting period - this was all due to the HIF honouring that as the baby's due date was after the waiting period, any complications associated with the pregnancy would be covered. As a medic myself, I know of many people who have been caught out with other funds in this situation. I highly recommend HIF as an alternative to the big names." - Ricci (received via email)
Insurance 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 higher level of Hospital Cover with another insurer, you can rest easy in the knowledge that we’ll automatically honour your previous policy. That means that you won’t have to re-serve any hospital waiting periods already served with your old fund, including maternity.
Will HIF still cover my baby if they arrive prematurely before my waiting period has been served?
Yes, provided your baby’s 'Estimated Date of Confinement’ (due date) falls after the date on which your 12 month waiting period should end.
In those instances, we just require a letter from your doctor to confirm that your EDC was predicted to fall after your waiting period end date.
You may have seen ‘AccessGap Cover’ mentioned in the points above, but what is it exactly? Well, some doctors - including your chosen obstetrician - 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. That's why we always recommend requesting a list of fees in advance, then we can provide you with a Medical Benefit Estimate and advise you of HIF's contribution upfront.
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.
What to expect once you're expecting with HIF.
Once you're expecting (hooray!), you can choose your own hospital, obstetrician and other specialists. Some obstetricians will only deliver at certain hospitals and will usually book your hospital stay for you. It’s best to book early so you have a better chance of getting into the hospital that you and your obstetrician choose. In the meantime, here are some commonly asked questions about maternity stays with HIF...
What does my hospital stay involve?
Depending on your level of cover, you'll enjoy three, five or unlimited days cover in a single room with an HIF-contracted private hospital. Even better, your partner (or a parent, sibling or friend) can stay with you in hospital as a boarder at no extra cost too
Will I incur any extra expenses?
Your private hospital insurance only pays benefits for services provided while you’re admitted to hospital as an inpatient. But don't worry, you can claim any outpatient medical services (such as GP visits, specialist consultations and obstetrician’s check-ups) from Medicare. You will need to pay your hospital excess though (if one applies), plus any personal expenses like additional meals for your partner or any other expenses not covered by our agreement with the hospital (including drugs issued on discharge).
What if my maternity stay exceeds my policy's allocated number of days in a private room?
If you have Gold Hospital Cover and your maternity stay exceeds your single room entitlement, you're welcome to remain in a private room. You’ll just need to pay the difference between the cost of a shared room (automatically covered by HIF) and a private room. This is known as a hospital co-payment - and while each hospital's co-payment may differ, the average daily fee is between $50 - $100.
What happens if my baby needs hospital treatment?
If your newborn requires a medical procedure or a visit to the special care nursery, they’ll be admitted to the hospital as an inpatient. That means your bub will be covered for things like accommodation, intensive care, ward and theatre fees as long as you’ve already added them to your HIF membership. That's why it's important to update your policy as soon as you can once your new bundle of joy arrives.
How long can my baby stay on my HIF policy?
You can add a child to a couples' Silver, Gold or Gold Star policy at no extra cost and they can remain on your policy for at least 21 years. There’s also no limit to the number of kids you can add to a policy, which is great news if you plan to have a big family (or end up with three sets of triplets!). If you do currently have a couples’ policy, remember to add your baby within 2 months of their birth date (therefore changing to a family policy), otherwise waiting periods may apply. If you already have a family membership with us though, you have up to four years from bub’s date of birth to add them to your policy.
Can I get maternity cover if I’m already pregnant?
Unfortunately not, as a 12 month waiting period applies. That’s why we always recommend upgrading your Hospital Cover to include maternity at least three months before you start trying for a baby.
What else will I be covered for on my HIF Hospital policy?
As well as pregnancy and birth related services, our Gold and Gold Star Hospital policies also cover you for:
- Same-day accommodation
- Theatre care
- Intensive care
- Removal of tonsils & adenoids
- Surgical removal of wisdom teeth
- Ear, nose & throat
- Back surgery
- Brain surgery
- Hernia repair
- Joint reconstruction
- Renal Dialysis
- Joint reconstruction
- View full comparison
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