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  1. #1
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    Default New help choosing a private health insurance provider

    Hello,

    Im new here but have been reading for a few days.

    My husband and i plan to get pregnant in the next month or 2 and are looking at private health insurance. We dont need all the extra cover, heart surgery, hip replacement etc that they offer (did a few quotes) just want to be covered for myself and the baby for all the pre pregnancy checkups, delivery and after care for me and the baby + medication costs...

    My question is are there any that will give us the private health plan right now or do we have to wait the 12 months to get covered, and which companies should we be looking at for less than $100 a month.

    I am a 29 yr old leave in QLD

    Thanks.

  2. #2
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    Thre is only one fund that has a 9 month wait instead of 12 and it's Latrobe.

    In saying that no fund will cover any of the pre-pregnancy check-ups in Australia.
    The funds are limited to paying for inpatient services (treatment while you are a hospital patient).

    I do suggest that if you want to have a private hospital birth that you avoid as many exclusions as possible. Cardiac in particular. We all hope that our children are born healthy, and that we won't have to use an epi, or have a bad reaction to it, etc etc. But last thing you want is to get emergency treatment for an unexpected complication only to find that it means the fund will no longer pay a benefit for any of the admission.

  3. #3
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    Im checking Latrobe thanks.

    Does the 9 month wait mean that we can signup now, wait 2 months to get pregnant and still be covered for the birth in 11 months?

    Or do we have to wait 9 months before i can even get pregnant?

  4. #4
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    9 months before the service, so absolutley get pregnant WHILE serving the waiting periods.

  5. #5
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    We are with Latrobe! Haven't had a problem with them..

    The nine month waiting period means you need to be with them at least 2 months before trying for bubs..

    And of course Ivf is 12 months.. Which we had to wait!

  6. #6
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    I am with QLD country and extremely happy with them. We have been with them over 2 years and have had a bub using them. We were with mbf when we had our first child and yes they paid up but otherwise they were hopeless. We never got much back either but with qld country we get back ALOT and have top cover for extras and hospital and pay the same that we did with mbf and hardly got anything. Good luck!

  7. #7
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    Latrobe looks good,

    Im assuming this is probably the best deal and would cover pretty much everything needed in the hospital? Would i need to get any extras also?

    http://www.latrobehealth.com.au/Heal...ngles/Default/

    qld country is looking more expensive and they have excess aswell

    thanks for the help

  8. #8
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    To have the baby covered from birth a lot of funds will require that you have family cover for a certain time period before the baby is born.


    Sent from my phony phone

  9. #9
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    You will often (not always) find that the cheaper funds keep costs down by reducing claimable services and REDUCING BENEFITS. Make sure the fund you choose matches your needs and expectations.

    For extras, some people appreciate being able to claim some physio & osteo both before and after birth so a very basic extras might be nice but certainly not essential as in some cases the physio can be claimed through medicare.
    Dental is often a need in pregnancy too. The increased blood flow and redirection of nutrients can really create a mess!

  10. #10
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    Hey jaxkinabox- did you hear that all bupa funds have dropped it to immediate cover for baby if bubs is added from birth, within 2 months of birth! That means mbf, nrma, sgio,sgic, mutual community and hba have all got the same rule.


 

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