Any PHI without 12 month waiting period? | Bub Hub
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  1. #1
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    Default Any PHI without 12 month waiting period?

    I'm currently with Medibank Private and have Standard Hospital with Basic Extras and paying $125/month. I need to up my level of cover to Top Hospital with Basic Extras which will cost me $165/month. Thing is, I'll need to wait out the 12 month waiting period before I can claim for obstetric/pregnancy.

    I've just turned 38 so waiting another 12 months isn't an option, as the longer I wait the less my chances are of becoming pregnant.

    If this is the case, looks like I'll have no choice but to go public, which isn't a huge deal as we have a very good maternity service here in Geelong. I would have loved to have gone private, but it just won't be possible.

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    It just needs to be 12 months till baby is born from when you start the top cover, so it's just waiting 3-4 months before falling pregnant.
    I've also heard of long standing customers having the waiting period waved under some circumstances. So you don't need to wait the whole 12 months before TTC :-)

  3. #3
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    PHI doesn't really cover anything during the pregnancy itself - eg. scans, or OB management fees- until you're actually hospitalised for the birth. So, the 12 month waiting period means that if you conceived.4 or more months after upgrading your cover, you'd be covered by the time of the birth (assuming a full-term pregnancy of 9 months).

    The exceptions would be if you need to undergo IVF (because PHI covers some hospital/theatre fees associated with this) or if you need hospital treatment during the pregnancy for pregnancy-related complications. In these cases, the 12 month waiting period would apply.

    I'd probably upgrade now and start TTC straight away, since it can take a few months to fall pregnant anyway.

  4. #4
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    Thanks for your replies.

    As I am single, I'm looking into donor insemination. I had a consult a few weeks ago, just need to work things out now.

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    Okay, yep, the 12 month waiting period is probably going to be a problem during your initial treatment then. I haven't heard of any PHI that doesn't have a waiting period, sorry.

    As much as it would be nice to go private later on for the birth, in a sense it would also be great to have to go public (because that would mean you've gotten pregnant really quickly). Good luck!

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    I went with Latrobe a few years ago and it was a 9 month waiting period

  7. #7
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    Thanks guys.

    I'm pretty clueless really!

    First I need to have the bloods and ultrasound to see what's going on inside before I can consider proceeding. I'm thinking everything will be cruisy, but as we all know, that sometimes isn't the case.

    Maybe I'm just kidding myself. I'm actually scared about going at things alone. Everyone is telling me to just wait and see what happens (with regards to meeting a guy, doing things the right way) but at 38, I can't and don't want to wait any longer.

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    No don't wait. You have waited. Now is your chance. I'm a solo mother. I went IVF with donor sperm. I have zero regrets.

    Ring iselect of choosi or one of those places. Odds are low but sometimes they know of someone having a special on.

    I am near Geelong and through Sabary and SJOG. He was fantastic. But the construction noise at the hospital did my head in. I ended up asking to leave early.

    Happy to talk if you want to pm me.

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    He was my cousins obstetrician. I've had a few procedures at SJOG and yeah, found the construction noise very distracting but what can you do?

    I may PM you, thanks

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    Any chance you used to do hearing tests there?


 

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