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  1. #1
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    Default Does a baby need private health insurance?

    I currently have singles cover and it will be an extra $100 a month to cover bub. I am giving birth in a public hospital so if there are any complications bub will be transferred to Royal Children's.

    The insurance company tells me the baby will get the same cover as me but I can't imagine a newborn needing a great deal of physio and dental?

    I am happy to pay if it would be worthwhile, can anyone give me some examples of when a young baby would need cover?

    Thanks

  2. #2
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    Wow that's crazy. We only have our bubs on ours as we had couple's one and we just added them with no extra cost.

  3. #3
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    What a rip off!

    We had couples cover but added our DS on at no extra cost.

    It must be different if you only have singles cover to start with.

  4. #4
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    If you have couples cover the baby just gets added on but if you have singles it costs extra

  5. #5
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    Quote Originally Posted by RmumR View Post
    If you have couples cover the baby just gets added on but if you have singles it costs extra
    not for me?

  6. #6
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    Same, if you have couples it just gets upgraded to familys at no extra cost.

  7. #7
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    Quote Originally Posted by Greenhorn View Post
    not for me?
    Maybe it depends on the fund or level of cover

  8. #8
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    My son had grommets and adenoids done before his first birthday. He was profoundly deaf, constantly sick and suffering sleep apnoea. He had his second op 6 months later and had tonsils as well as adenoids again (regrew) and grommets again (came out but still had continual ear infections).

    In the time he had two op's, many kids are still waiting for their first.

    In some areas your child would get seen straight away. It just depends on waiting lists in your public hospitals.

    As for extras- well I don't see the benefit (other than ambulance if you're in NSW).

  9. #9
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    I don't see the benefits of extras until they are a bit older (say 2 or 3 - we have used dental and speech therapy for my son, and could possibly use things like optical and podiatrist in the future).

    I wouldn't be without good hospital cover, as I am very concerned about waiting lists in public hospitals (we're in Qld). My brother-in-law is currently having a terrible time with the hospital for an operation that should have been done months ago.

  10. #10
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    We haven't specifically needed the private cover for DD as yet, have taken her to a chiro a couple of times and that's it. Would be a different story if she'd had any serious health problems and there were waiting lists though.


 

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