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  1. #21
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    Default Medibank private - Waiting period not waived if baby is early?

    I'm with bupa and they have said its strict even suggested taking out a few months before TTC to be sure

  2. #22
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    Default Medibank private - Waiting period not waived if baby is early?

    I used to work for Medibank about a year and a half ago, unless the rules have changed, if bub is born anytime during the 12 month wait period it is not waived and you cannot claim for bub.

    I would think if it was ever waived it would be from those petitioning it pretty hard and pushing Medibank through the private health ombudsman etc. or it would be waived because of a matter of say days 24/48 hrs till wait period was to be finished..

  3. #23
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    Default Medibank private - Waiting period not waived if baby is early?

    Im 120% certain that Bupa will cover you as long as your bubs EDD is outside of their 12 mths waiting period.

    Example : If you take out PHI on Apr 01 2012 and your baby is due on Apr 02 2013 but born mid March, you will be covered.

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    Quote Originally Posted by MrsR2012 View Post
    I was told by bupa, ahm, hcf, aus unity and mbf that 12 month waiting on Preg services is strict.

    If you take it in January. Bub is due the following January but is born say December 30th...regardless of letters, edd etc..

    Not covered.

    You must wait your 12 months to the day.

    Sent from my GT-I9300 using BubHub
    I was going to say this.

    They even suggest taking out 1-2 months earlier too just incase bub comes so if you take it out in Jan it's best to plan a bub feb- march

  5. #25
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    Yardley and Lili- we're with Bupa and were told they don't honor the EDD. We are eager to start trying again but would need to wait for my April cycle as my march cycle makes our EDD only 4 days after PHI waiting period and I worry if the baby is early. Do you have a specific person you spoke to or letter stating this? Who did you ask? We lost our baby girl in Dec and I had been happy to go public so we hadn't changed our insurance. My experience public is fine, our hospital was amazing to us, but I want to go private next time for the continuity of care with an OB because I know I'll be worried and need somebody I know I can contact (I know the OB isn't covered regardless). As I learn to cope with our loss, I am beginning to feel a desperate need to be pregnant again and try for another baby, but as I said above March would make my EDD within days so I would love to know how you found out through BUPA that they honor the EDD.

    For others, we were told by our OB that if the baby decided to arrive earlier, before our EDD or premmie (a month or two early and interfering with waiting period) you can go straight to the public hospital because they cannot turn you away.

  6. #26
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    Hi OP. first off I'm sorry to hear about our daughter.

    I had emails confirming this and then phone with the call centre to back it up. I would have made them bring out the recordings if I needed them too. I can only guess that the rules have changed recently. I'm sorry that you have to wait but I'm sure it will be all worthwhile when you get there.

    Good luck!

  7. #27
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    Rules must have changed very recently :-(

    I checked with BUPA on May 2012 and then the 12 mth waiting period was based on EDD. I usually ask my questions to them via email so that I have a record of their answers x

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    Email is a good idea! When we changed our insurance the beginning of December they said the 12 month waiting period was strict and to wait 4 months plus to be safe that the baby wouldn't arrive earlier than the waiting period limit.

  9. #29
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    Quote Originally Posted by Lili81 View Post
    Rules must have changed very recently :-(

    I checked with BUPA on May 2012 and then the 12 mth waiting period was based on EDD. I usually ask my questions to them via email so that I have a record of their answers x
    This is why an email is very good idea as we took out phi in April 2012 with buba and was not 100% not covered before the 12 months, even double checked in June/ July ( via email) and was told the same thing.
    If you can get it in writing OP then atleast you have a record and can dispute

  10. #30
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    I have it in writing, that if birth is premature, all the doctor needs to do is write a letter stating the EDD. I refused to join until I had it in writing.
    I have 60 days to uprgrade to family cover to have them covered. The only things that won't be covered is "complications found while in utero". But I believe we have a great public health system that can deal with that.
    I was told be the salesperson that providing I waited three months to ttc, it would be covered. I joined 2 months ago.

    Eta- what pp has said a premmie bubs is correct. You can go public, not be turned away. If your hospy is both pub/priv you can always "opt out" and the public system will cover bub. It's your admission that is covered. Unless bub is sick they technically aren't an inpatient.
    Last edited by Ngaiz; 11-03-2013 at 17:35.


 

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