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So you have decided to start a family. Congratulations! Your children surely have a bright future ahead of them, but there are a couple of things you’ll need to plan ahead for. For one, you may now be interested in the particulars of family health insurance. We’re experts in this field, so let us explain everything.

Step #1 Take out insurance well in advance

Before you even try to conceive, go out and get private health insurance. This is the first thing you should do if you plan on starting a family with your partner, and you want to do so more than a year before you hope to have any children. There are a few good reasons for this.

  1. There’ll be a 12 month waiting period for pregnancy and birth related coverage in private hospitals. But on top of that…
  2. Reproductive services also have waiting periods (12 months).

So if you want to have your child in a private hospital with your choice of obstetrician, or utilise any assisted reproductive services through the private system (like IVF), a combined health insurance policy (both extras and hospital cover) is a smart idea for your new family.

Fortunately, comparethemarket.com.au can steer you in the right direction to help you find the right health fund. With our easy-to-use online comparison tools, you’re able outline the features you care about (like pregnancy cover), and we’ll serve up options that suit those needs.

Step #2 Claim on great benefits before ‘bub’ arrives.

Did you know you can claim your pre-natal classes on private insurance? And most importantly, you can claim your obstetrician’s fees while admitted to hospital during labour and beforehand (e.g. consultations and checkups). In fact, by choosing pregnancy related options on your health insurance policy, you’ll be covered for your stay in a private hospital, along with doctors’ fees and associated labour ward costs.

You can always call you insurer, let them know you’re pregnant, and ask them what you can claim on when it comes to your particular policy. You may be pleasantly surprised with what’s included in your cover!

Step #3 Switching from couples to family cover

Planning ahead is important. And even if you already have couples cover, you’ll want to consider taking out family health insurance once the baby is born. That family policy (depending on your insurer) could cover major dental work when your kids grow older, or hospital excesses when they get into scrapes!

Do your whole family a favour. Take a look at our online comparison tool at comparethemarket.com.au to consider your options, or give us a call to talk through your options.

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