Do I have to serve waiting periods for maternity cover?

If you’re taking out maternity cover for the first time, the waiting period for all obstetric related services including assisted reproductive technology (IVF) 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 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.

Category: Maternity Cover
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