Maternity Cover...who with and how much?

[RebekahLeigh]

I only just found out that you can get Maternity Cover without all the other PHI benefits which makes it cheaper. Since we cannot afford to get insurance for everyone/everything right now, I was wondering if any of you ladies have got the Maternity cover?

Who is it with and how much do you pay? Does it cover you in any hospital for everything as though it would if you were paying for general health insurance with maternity?

Sorry if theres a billion questions :o

[Izy]

I would be interested in knowing why you would want maternity cover on it's own, and what the other stuff would be that you're leaving out.

Personally I would see it as defeating the purpose of having the insurance. I want to be covered so I can choose my hospital and dr, but also so that if there are any complications my baby and I can get private treatment. The last thing I would want is to be wondering "is this complication covered or not"

I'm one of these strange people who hates all kinds of exclusions on her cover though. I'd prefer to pay more than remove stuff. after all, if I knew what was coming I wouldn't need the insurance.

[RebekahLeigh]

I had problems with my public hospital for DS and I want to avoid going to a public hospital again. The reason I only want maternity is because thats all we can afford ATM, I cant afford full cover on a single apprentice income. Also, we dont need certain stuff like IVF, hip replacements, dental or even general stuff because (touch wood) I dont remember thelast time we were sick.

Mainly, I just want the single room, OB and same midwife. Fingers crossed I wouldn't need anything due to complications but if I did Im sure the public health system wouldnt neglect my baby simply because he wasnt covered privately.

Next year, when Chris is qualified we will be getting full cover. Either that or just paying the money to go private without cover.

[Kittylou]

I don't know that you can get just maternity on its own??? I have just hospital cover so maternity is covered, as are other in hospital services, but not extras cover - which is general dental, physio, etc.

[Izy]

I'd definately look into it more. I'm sorry I don't have much info to offer you as the fund I work for doesn't seperate the covers like that.

Definately don't bother with stuff like dental and other extras, your focus is going to be on hospital cover... ie medical.

I will suggest that you make sure the cover you are looking at will cover both you and your baby (you will normally need to hold the cover for 12mths before the birth, and may need to be paying for a single parent as minimum, I only ever heard of one fund paying the babies bills for single members and I can't remember who they were). Normally if services are excluded (not covered) if those services appear in the middle of your approved procedure, nothing is paid, so double check that too.

You might even like to look at having the cover for private treatment as a private patient in a public hospital (maybe not the one you were in last time) so that if there are complications you can revert back to a public patient easier.

[jorey]

I don't think you can just get obstetric cover by itself. You just get a hospital cover with obstetric included. You can get hospital cover without obstetric. Things like dental are extras. To go private you will need your own private ob and private health does not pay ob consultation fees and antenatal visits. Private insurance really just covers your hospital expenses. Anyway, I hope wherever you go for your next birth, you will have a better experience!:yes: