Starting your own family is an exciting time. If you want to have a baby as a private patient, this page explains all you need to know.
Our Silver Plus Grow includes pregnancy hospital cover so that you can have your baby at a private hospital with the obstetrician of your choice (or even at a public hospital with your choice of obstetrician). Silver Plus Grow is only sold in combination with an extras product.
Australian Service Excellence Awards CSIA 2023 Highly Commended
* IPSOS 2023 survey results for open private health insurance funds.
Important information about pregnancy cover
If you want to go private for the birth of your baby, your hospital cover needs to include ‘pregnancy and birth-related services’ at least 12 months beforehand.
How do I use hospital cover to have a baby?
Simply follow the steps in our Going to Hospital Guide. But, in brief, you can choose your obstetrician in consultation with your GP.
- Choose your own obstetrician and midwives whose expertise and delivery style suit you
- Your obstetrician and midwives stay with you throughout your entire pregnancy
- Increased chance of getting a private room (depending on availability)
Our pregnancy packages come with extras cover. Peoplecare extras covers provide benefits for things like:
- genetic testing
- physiotherapy
- chiropractic therapy
- dental care – gum disease linked to premature birth and low birth weight*
Read the full list of common extras services for pregnancy.
*There are some government programs, generally means-tested (subject to income and/or social background criteria), that can help pay for some extras services. An example is the Child Dental Benefit Schedule. Another exception is treatment received under a Chronic Disease Management Plan. Peoplecare can’t provide benefits if you’re receiving a benefit through one of these government programs/plans.
There are some important things you need to know about your cover. Please click on the links below to read more.
- About hospital cover
- Waiting periods (including those for pre-existing conditions)
- Excess
- Cooling-off period
