Pregnancy is an amazing time, but the changes your body goes through during pregnancy can be challenging. That’s where extras cover and hospital cover during pregnancy come into the picture. We show you how to compare private health insurance policies, so you and your baby get the right level of cover.
Why is Extras Cover a Good Idea?
Extras cover gives you extra help such as prenatal classes and massages to help you relax and feel your best during pregnancy. Extras cover can also pay for things like acupuncture and physio if you’re struggling with back pain or morning sickness. Ultimately, obstetrics extras cover gives you peace of mind knowing you have the support you need during pregnancy.
Benefits of Extras Cover for Pregnancy
A wide range of healthcare services and treatments are available for pregnant women. Costs can add up, particularly if hospital admission is required, so an Extras policy is recommended to save out-of-pocket expenses. It’s also a good idea to find out if any extras come with your regular Hospital Insurance policy, like choosing your own obstetrician, midwifery care, paediatrician services, antenatal classes, or a private room in a public hospital.
You can compare private health insurance policies from Australia’s leading providers using the GoSwitch price comparison search tool. By doing your research in advance, you will get the best possible care for yourself and your baby and save a good deal on out-of-pocket costs.
Extras Cover to Support Expectant Mums
Your body goes through a lot of changes during pregnancy. The challenges are addressed in several ways, with many services accessed with extras cover. Strategies to support expectant mums include:
- Diet
- Exercise
- Pelvic floor support
- Pain management
- Dental care
- Mental health care
Many Australian Extras policies cover pregnancy classes and dietician services to help you better understand how diet affects your baby and the vital nutrients your baby needs for optimal health and growth.
How Does Hospital Cover for Pregnancy Work?
After you’ve been a member of your private hospital cover insurance fund for 12 months, you’re generally covered for pregnancy-related services such as reproductive services as a private patient at an agreement private hospital. Services include labour ward hospital costs, doctors’ fees, and accommodation in a private room (if available). Services such as birthing classes may be covered before the 12-month mark. A GoSwitch private health insurance consultant can help you compare Hospital and Extras Pregnancy Cover to suit your specific requirements.
Can You Use Pregnancy Extras Cover After Your Baby is Born?
Many people are surprised to learn that their private health cover doesn’t automatically include cover for their newborn. This is because babies born in Australia are already covered by Medicare and the Medicare benefits schedule. However, Medicare only covers basic medical expenses, so if you or your baby needs inpatient hospital treatment, you will need to take out private health insurance. Fortunately, most hospital cover and extras cover can include cover for newborns, so it is easy to find a policy that suits your needs.
Key Takeaways
- It’s important to make your overall health and well-being a high priority during pregnancy and birth. Make sure you don’t neglect your diet, exercise routine, and mental health.
- Extras services can cover a range of outpatient services, such as midwives, remedial massage, physiotherapy, acupuncture, and prenatal classes.
- Hospital policies that cover birth-related services only kick in after you’ve served a 12-month waiting period.
- Your newborn baby does not automatically get added to your health insurance plan.
How to Choose Pregnancy Extras Cover
Expecting mothers and new parents have a lot to consider. From obstetrician services, hospital services, and postnatal care to ultrasounds, regular check-ups, hospital stays, and other medical services, private health insurance can support you. Extras cover can lighten the burden and allow you to enjoy the pregnancy journey all the way from conception to the birth of your baby and beyond. Before choosing an Extras policy, make sure to:
- Decide who will be under your Extras cover, such as children.
- Analyse your present and future healthcare needs, such as dental appointments, optical care, or physio.
- Find out if you are eligible for Australian government rebates or Medicare services related to pregnancy and childbirth.
- Consider your budget. Extras policies generally have three tiers: Gold, Silver, and Bronze. Consider taking out Lifetime Health Cover earlier in life to reduce health insurance premiums.
Find Pregnancy Cover Health Insurance with GoSwitch
Finding the right family cover or single-parent health fund premiums can get confusing. That’s where the GoSwitch private health insurance price comparison search engine comes into the picture. Find the latest deals from premium health insurers in minutes, with real-time results. You can also speak to a GoSwitch call centre expert for advice, tips, and inspiration. Best of all, the GoSwitch service is 100% free. Here’s how it’s done.
- Get started – Create a GoSwitch user profile.
- Compare energy deals – Use the GoSwitch price comparison search tool.
- Set up and save – Your GoSwitch insurance expert can help every step of the way.
It’s that easy to upgrade pregnancy extras cover or open a new private health insurance policy with GoSwitch. If you are looking for the right cover for the health and well-being of yourself or your family, make the switch with GoSwitch today!
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