Health insurance and pre and postnatal care

Having private health insurance cover during pregnancy doesn’t just mean more choice around where and who will treat you. It’s also more options for extras that might come in handy during and after pregnancy.

Pre natal care and post natal care with ahm

What kind of health insurance inclusions might be helpful before pregnancy, during pregnancy and in the newborn stage?

Hospital fertility treatments of procedures

Hospital treatment for fertility treatments or procedures, such as IVF for example, are included in some ahm family health cover options. It’s not available on extras cover.  

Compare your hospital cover options.


Miscarriage and termination of pregnancy

If you have it included in your hospital cover, we can help with the bill for hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy. Excess and waiting periods apply.

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Before the birth (pre-natal)

Some of our extras cover has inclusions that can help leading up to birth. Including:

  • Birthing classes, which can help you identify the signs of labour and can teach you about birthing positions, pain relief options and breathing techniques. 
  • Compression wear, which is also helpful to reduce swelling during pregnancy.
  • Osteo or physio treatment, which might be helpful if you’re uncomfortable during your pregnancy, especially with back pain.

Choose cover that includes the things you think you’ll need.

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After birth (post-natal)

Lactation consultants’ services are included in some of our extras cover, and can help you with breastfeeding. You might also want to see a physiotherapist for advice or help with your pelvic floor or abdominal muscles. Or you might think about pilates from a physio, hydrotherapy, antenatal exercise classes or acupuncture. If you want extra support to keep on top of your postnatal mental health, you might find it helpful to see a psychologist. Check out your options for family health cover.

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Other boring but important stuff 

There are a few more things to keep in mind with your private health insurance when you’re thinking of having a baby.

Waiting periods

Make sure your cover includes pregnancy and birth. There’s a 12-month waiting period that the mother will need to serve before being admitted to hospital for these services. The good news is that you can serve part of this waiting period while you’re pregnant. And if you missed the 12-month waiting period for birth, you can still join extras cover to claim pre- and post-natal services.

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Out of pocket costs

Out-of-pocket expenses are any expense for a hospital, medical or extras service or item for which you will not be reimbursed by either us or Medicare. This is an amount you have to pay. The amount we can pay depends on your cover. These are all important things to check when you’re looking at different cover options.

More about out-of-pocket costs. (opens in a new tab)

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Add your baby to your ahm family membership

If you already have a couple, single parent family or family cover when your baby is born, all you need to do is add them to your membership by calling us on 1300 507 818. If you want the baby to be included on your membership from their date of birth, then you need to do this within 12 months of their date of birth. The baby will only need to serve any waiting periods that have not already been served by the Principal Member. If you’re on a single cover, then you’ll need to change to a family (or single parent) cover, and add your baby to the membership by calling us on that same number. The request must be made within 2 months of the baby’s date of birth. And remember that any changes in your premium amount (your regular insurance payments) will apply from the baby’s date of birth.

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Common questions

Find cover that suits your needs

Tell us what you need and we’ll show you cover that suits. You can even choose your payment frequency and excess.